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Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
The Homebuyer's Guide to the Fully Documented Income Universe It's hard to believe sometimes, but I've been in the mortgage business for nearly fifteen years.  So please give me the benefit of the doubt when I tell you that not a day goes by when I don't hear a client or prospect utter something ...
Top 10 Things Buyers Can Do While Waiting for More Inventory   Years ago, when I had free time, I used to love watching Letterman.  In fact, back then, he was on NBC and it used to be called "Late Night with David Letterman," and not "The Late Show."  So that's how far back we're talking.  Anyway...
Need a Jumbo Loan?  Better Call in the Reserves   Here in the San Francisco Bay Area, and Marin County, where I'm located, we tend to see a lot of loan amounts that exceed the conforming and high balance conforming loan limits (respectively, $417,000 and $625,500, in most local metropolitan stati...
CU Sooner Rather Than Later   By now, most of us real estate professionals have become accustomed to the fact that things rarely stay the same for long in the mortgage industry.  Not a month passes, it seems, where guidelines do not shrink or expand at the whims of our regulators, and certainly n...
A Call to Alarms   While the title of this post may be a play on words, the subject is no joke.  The villain goes by the moniker "The Silent Killer," and he potentially has access to both your home and mine.  As a California mortgage professional, carbon monoxide poisoning is a real issue for me ...
Oil's Well That Ends Well?   You know oil prices are low when you do a double take gas station signs at every intersection. The same holds true when half the social media posts you see contain snapshots of what your friends across the nation are paying per gallon!   As we closed out 2014, US cons...
How Will 2014 Go Down in YOUR Books?   When we come to the end of any calendar year, isn't it amazing to look back over the last 12 months and realize just how much has transpired?  Sometimes, events that occurred in, say, March, feel like they happened a lifetime ago.  Could it really be that it...
I'm NOT Giving to a Charity This Christmas   Life can have a funny way of sending us signals, can it not?  This past weekend, as I was coming off the final descent of Diamond Head, at mile 25 of the Honolulu Marathon, the unrelenting rain that had plagued the entire race --- the one that began ne...
How Much Down Payment Do I Need to Buy a Home?   As kids, there are just some things we all learn while we’re growing up:   Never drink soda after you eat Pop Rocks. Cracking your knuckles will give you arthritis. You’ll catch a cold if you go outside without a jacket. It takes a 20% down payment...
The Missing Peace   There are a lot of things a mortgage loan officer cannot do.  Trust me on this one.  A team of government stormtroopers now stands ready to remind us via extortion-proportion fines when we’ve tripped over any of the byzantine regulations governing our industry.     There also ...

Rob Spinosa

Marin Mortgage Broker
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