California Mortgage Blog

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Real Estate Mortgage Broker - RPM Mortgage, Marin County, CA - CA BRE: 01297944
I Have Impressive ARMs   Actually, I don't have impressive arms and never have.  While we're on the topic of needles, no amount of iron or swimming has ever "moved the needle" in terms of adding circumference to my puny pop guns.  But...   RPM is pleased to add its newest jumbo program in the for...
Posted 3 days ago
10% Down with Pledged Assets   Here in California, I come across a lot of home financing scenarios, especially on the jumbo side, where the buyer would prefer to make a 10% down payment instead of a 20% down payment.  And what we commonly see is that as the price range of the home increases, so t...
Posted 9 days ago
A Look at the REX Homebuyer Program   In previous blog posts I've talked about the REX homebuyer program, and the short video below covers the main points of this equity share agreement.  I'm pleased to report from recent experience that REX down payment funding is allowing buyers to reach up in ...
Posted 19 days ago
Non(QM)sense!   Going into the January 10, 2014 inception date of the Qualified Mortgage, or QM, we in the mortgage industry faced a nonstop barrage of concern about whether or not our lending capacity would stay the course or steadily devolve into nonexistence. This turns out to be a nonissue he...
Posted 24 days ago
Holding Back the Ocean:  Senate Votes to Mitigate Flood Insurance Disaster   Here in Marin County, CA, we are blessed to live in proximity to the San Francisco Bay and the Pacific Ocean.  One of the drawbacks of this, however, is that many areas of our towns are in designated flood zones.  In add...
Posted about 1 month ago
What Is a Portfolio Loan?   The other day a loan applicant asked me if he could get a portfolio loan.  What struck me as unusual here was not the request, but the phrasing of the question itself. You see, I know that nobody is going to ask in this manner unless he/she has already been through the...
Posted about 1 month ago
The Price Is Not Right   One thing I'm seeing a lot more of these days, and this can largely be attributed to a lack of available homes for sale here in Marin County, California, is that buyers are being forced higher in price, or lower in home quality.  Both outcomes, if played to their logical ...
Posted about 1 month ago
138 16th Avenue, San Francisco   This incredible property in the Lake Street neighborhood of San Francisco will be coming on the market and will have an open house on Sunday, March 2, 2014.  The listing agent is Tricia O'brien with Pacific Union .  Tricia and I have worked together before and I'm...
Posted about 2 months ago
"Can I Use My 2013 Tax Return to Qualify for a Mortgage?"   Q:  I'm self-employed.  Can I use the income I will show on my 2013 tax return to qualify for a mortgage?  I have not yet filed, but am about to do so...   Like most other things in the lending industry, the answer is not entirely simple...
Posted about 2 months ago
Mortgages for Canyon Green, Novato, CA   You don't see it too often in Marin County, CA --- new construction, that is.  So the other day while I was driving in Novato, I allowed myself the innocent distraction of following the signs to the new development of Canyon Green, located roughly off of t...
Posted about 2 months ago

Rob Spinosa

Marin Mortgage Broker
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Additional Information

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