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Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
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...
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...
Do You Think We're in a Bubble?   Forgive me.  While I may be one of Marin County's most recommended mortgage lenders, I am still only on the lowly home finance side of things.  I'm not in the real estate purchase and sale trenches like most of the members on Active Rain and, presumably, I'm ther...
Should I Pray or Should I "Co"?   I tend to see a fair amount of high loan-to-value mortgage scenarios, mostly because real estate values here in Marin County, the San Francisco Bay Area and coastal California, in general, tend to be high.  And I think it also has a lot to do with the formidable ...
Ferguson Is My Problem Too   Warning:  Reader discretion is advised.    This is not meant to be a commentary on race relations.  It's not meant to be an analysis of who is right and who is wrong.  But I am going to tip toe on some third rails here.  Amid the turmoil, heavy with unresolved, centur...
Oh Captain, My Captain: Keeping the Gate of the American Dream   There is that great scene in the movie Dead Poet’s Society where the students are made to stand on their desks.  The point of the exercise, of course, was to get them to see their ordinary classroom from an extraordinary perspective...
The Top 3 Reasons Your Financial Advisor Wants to Work with Me   As a successful real estate agent, I am certain a portion of your referral business comes from the financial advisors with whom you’ve built trusted relationships.   They call on you first when they have clients who need help with r...
998 Edgewood Ave., Mill Valley, CA, 94941 w/ REX 12.5% Down Payment Option   Using RPM Mortgage and REX Homebuyer, this home can be financed today as:   Purchase Price:  $1,949,000 REX Down Payment:  $243,625 Your Down Payment:  $243,625 Monthly P&I Payment:  $6362     Here are the terms for the ...
MTG Fight Night:  80-10-10 vs. REX   The tale of the tape:                           80-10-10 Piggyback Loan            vs.                  REX Homebuyer $1,100,000          Purchase Price          $1,100,000 $110,000          Down Payment          $110,000 $625,500            First Mortgage    ...
Surviving the Short Sale Seasoning Status Shift   All alluring alliteration aside, I wanted to get serious (there I go again...) about the recent changes to the waiting periods that are required when a buyer attempts to re-enter the mortgage market.  "How long do I have to wait after a short sale...

Rob Spinosa

Marin Mortgage Broker
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