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Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
RECENT BLOG POSTS
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...
01/24/2015
46 Comments
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 ...
01/18/2015
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...
01/07/2015
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...
12/31/2014
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...
12/19/2014
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...
11/22/2014
15 Comments
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 ...
11/17/2014
The Yang and Yin of Thin     I guess I should start by saying that I grew up blue collar, where emphasis was put on playing an honest game, and not so much on showing up looking like you could.   If, let’s just say, some fabulously flashy Franklin Square PBC little leaguer, replete of accoutremen...
11/15/2014
Exposed:  The Real Truth Behind Bernanke's Refi Bust     Anyone who's been reading my blog posts for any length of time would know that I don't need a particularly good excuse to lament about the oppressive regulatory quagmire that has ensnared residential mortgage lending.  These same folks woul...
10/17/2014
Credit Rescores:  Pay More.  It's the Law.   It goes without saying that the mortgage process is in some ways more complicated and unforgiving than ever.  It also bears mentioning that there remains a handful of home loan professionals who have embraced these modern day challenges and found legal...
09/25/2014
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Rob Spinosa

Marin Mortgage Broker
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