work visa: Foreigners Have Been Waiting for a Loan Like This - 10/17/17 07:34 AM
Foreigners Have Been Waiting for a Loan Like This
 
California has both a dynamic and desirable real estate market and in the recent years we've seen an influx of foreign buyers.  Despite the headlines such as, "Chinese Billionaires Snapping Up San Francisco Real Estate with All Cash Offers 150% Over Asking...," I can attest that not every foreign buyer is able to purchase real estate with a Louis Vuitton suitcase bursting full of hard currency.  In fact, many of them seek mortgage financing for any number of valid reasons and when they do, we are often able to help.  
 
Foreign nationals are citizens … (4 comments)

work visa: If It Was Easy... - 01/04/17 05:44 AM
  If It Was Easy...
 
As 2016 drew to a close, two seemingly unrelated events came together for me in the form of an unexpected realization.  First, I did a careful review of my past year's production in order to measure progress, spot trends and recognize where improvement needs to be made.  Second, I caught the broadcast of the Ironman Triathlon World Championship on TV.  
 
So let's start with a little background on the more interesting of the two.  Sometime back in the late '80's, I must have been watching TV with my dad on a lazy weekend afternoon … (19 comments)

work visa: Work Visa. Go Buy a Home With It. - 08/14/16 09:19 AM
Work Visa.  Go Buy a Home With It.
 
One of the many benefits of living and working in California’s San Francisco Bay Area (which includes the nine counties of San Francisco, Marin, Sonoma, Napa, Alameda, Contra Costa, San Mateo, Santa Clara and Solano) is that we have a very vibrant employment environment. Indeed, the cutting edge high-tech, biotech, finance and other industries here attract the world’s best and brightest. But what happens when these same employees, who may not yet be US citizens or even permanent resident aliens (“green card”
holders), seek to purchase a home? Can a non-permanent resident alien --- someone … (5 comments)

 
Rob Spinosa, Mortgage Loan Originator, Marin County (US Bank)

Rob Spinosa

Mortgage Loan Originator, Marin County

Larkspur, CA

More about me…

US Bank

Address: 324 Sir Francis Drake Blvd., San Anselmo, CA, 94960

Office: (415) 367-5959

Mobile: (415) 367-5959

REX Homebuyer Participating Lender

80-10-10 Loans

What Happens if My Appraisal Comes in Low?

Can I Get a Cosigner on a Mortgage?



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