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How to Rock a Personal Loan!!!

Mortgage and Lending with US Bank NMLS: 22343

How to Rock a Personal Loan!!!


Since I've been a mortgage lender my entire professional career, the idea of borrowing a few dollars without having to undergo the home loan process intuitively strikes me as strange.  But, there are some situations for which a personal loan --- that is, one that is not secured by the collateral of your home --- can be a great fit:


  • Need to consolidate high-interest rate credit cards?
  • Need to do a minor remodeling project around your home?
  • Need to eliminate, once and for all, a pesky medical bill?
  • Need to make a major expense and don't want to entirely deplete your savings?
  • Or, perhaps, want to get your home painted and cleaned up and ready for sale, so that you can get top dollar?



Need the miracle of a few, quick bucks but don't have your own personal Jesus to perform that miracle?  Don't want to give up your great low, mortgage rate on your home through a cash-out refinance and don't want to add an adjustable rate HELOC either?  Give us a call or click on this link and let's see if our no-fee personal loan is a match made in heaven!!!

Reach out and touch me, 



Rob Spinosa
SVP of Mortgage Lending

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


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

*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.

Comments (4)

Ray Henson
eXp Realty of California, Inc. (lic. #01878277) - Elk Grove, CA

Your video was very well done.  I have subscribed and will be looking forward to seeing more. 

Also, congratulations on being an Ironman!

Feb 23, 2023 08:47 AM
Rob Spinosa

Thank you, all the way around, Ray Henson

Feb 24, 2023 07:45 AM
Michael J. Perry
KW Elite - Lancaster, PA
Lancaster, PA Relo Specialist

I’ve had a small unsecured Credit line since 1988. It originally covered 4 months overhead 

Feb 26, 2023 12:37 PM
Debe Maxwell, CRS
Savvy + Company (704) 491-3310 - Charlotte, NC

Oh, that is so creative, Rob - I love it. I came here as a result of Ray Henson's post and also joined your list of fans by subscribing!

Mar 12, 2023 02:19 PM
Charles Ross - eXp Realty LLC
eXp Realty LLC Salina Group - Salina, KS
Love To Help People

Excellent video Information. Thank you for sharing. Have a wonderful day and a blessed weekend.

Mar 31, 2023 05:22 AM