Lock Watch for the Week of 10/22/2018

Mortgage and Lending with Guaranteed Rate, Marin County, CA NMLS: 22343

Lock Watch for the Week of 10/22/2018



A transition week, perhaps?  Will we get away from the stock market volatility of the last couple of weeks and settle in or will the week end's GDP report set the tone?


Economicalendar (all times are Pacific):

Mon, 10/22:       Quiet.

Tues, 10/23:      2-Yr Note Auction (10am).

Weds, 10/24:     New Home Sales (7am).  5-Yr Note Auction (10am).

Thurs, 10/25:    Durable Goods, International Trade in Goods and Jobless Claims (5:30am).  7-Yr Note Auction (10am).

Fri, 10/26:        GDP (5:30am) and Consumer Sentiment (7am).


10-Year Treasury History

3.19%     Today's Open

3.16%     One Week Ago

3.07%     One Month Ago

2.38%     One Year Ago


Too Soon Old, Too Late Smart

A few years ago, my wife finished reading the aforementioned book by Dr. Gordon Livingston.  It was a short read and she suggested and recommended it to me.  I was floored by the concise wisdom and the 30 concepts presented therein.  I think you will be too: 


  1. If the map doesn’t agree with the ground, the map is wrong.
  2. We are what we do. We are not what we think, or what we feel, or what we say, we are what we do.
  3. It is difficult to remove by logic an idea not placed there by logic in the first place.
  4. The statute of limitations has expired on most of our childhood traumas.
  5. Any relationship is under the control of the person who cares the least.
  6. Feelings follow behavior.
  7. Be bold, and mighty forces will come to your aid.
  8. The perfect is the enemy of the good.
  9. Life’s two most important questions are “Why?” and “Why not?” The trick is in knowing which one to ask.
  10. Our greatest strengths are our greatest weaknesses.
  11. The most secure prisons are those we construct for ourselves.
  12. The problems of the elderly are frequently serious but seldom interesting.
  13. Happiness is the ultimate risk.
  14. True love is the apple of Eden.
  15. Only bad things happen quickly.
  16. Not all who wander are lost.
  17. Unrequited love is painful but not romantic.
  18. There is nothing more pointless, or common, than doing the same things and expecting different results.
  19. We flee from the truth in vain.
  20. It’s a poor idea to lie to oneself.
  21. We are all prone to the myth of the perfect stranger.
  22. Love is never lost, not even in death.
  23. Nobody likes to be told what to do.
  24. The major advantage of illness is that it provides relief from responsibility.
  25. We are afraid of the wrong things.
  26. Parents have a limited ability to shape children’s behavior, except for the worse.
  27. The only real paradises are those we have lost.
  28. Of all the forms of courage, the ability to laugh is the most profoundly therapeutic.
  29. Mental health requires freedom of choice.
  30. Forgiveness is a form of letting go, but they are not the same thing.


Never stop dancing,



Robert J. Spinosa
Vice President of Mortgage Lending

Guaranteed Rate
NMLS: 22343 
Cell/Text: 415-367-5959 Fax: 415-366-1590

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

Berkeley Office:  1400 Shattuck Ave., Suite 1, Berkeley, CA  94709

*The views and opinions expressed on this site about work-related matters are my own, have not been reviewed or approved by Guaranteed Rate and do not necessarily represent the views and opinions of Guaranteed Rate.  In no way do I commit Guaranteed Rate to any position on any matter or issue without the express prior written consent of Guaranteed Rate's Human Resources Department.


Guaranteed Rate. Illinois Residential Mortgage Licensee NMLS License #2611 3940 N. Ravenswood Chicago, IL 60613 - (866) 934-7283


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Jeremy K. Frost
Keller Williams Realty - Dripping Springs, TX
Associate Broker, ABR, CNE, CRS, ePro, PSA, SRS

Thank you for keeping us posted and up to date. Best of luck!

Oct 22, 2018 09:05 AM #1
Laura Cerrano
Feng Shui Manhattan Long Island - Locust Valley, NY
Certified Feng Shui Expert, Speaker & Researcher

23, nobody likes to do what they don’t want to do and be told what to do they don’t feel right doing it, basically.

Oct 26, 2018 11:00 PM #2
Laura Cerrano
Feng Shui Manhattan Long Island - Locust Valley, NY
Certified Feng Shui Expert, Speaker & Researcher

Jeremy K. Frost Give me the update this way and you keep me coming back. It’s pretty simple and thorough and I like it!

Oct 26, 2018 11:02 PM #3
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Rob Spinosa

SVP of Mortgage Lending, Marin County
Can I Get a Jumbo Loan with 10% Down?

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