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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
RECENT BLOG POSTS
Can I Get a Mortgage If I Am Retired?   I live in an aging county.  So if you ever find yourself vacationing in the lovely city of San Francisco, give this little exercise a try:  Simply get in your Uber.  Or rent one of those death trap three-wheelers at Fisherman's Wharf.  Or bundle up take it...
09/09/2019
Do You Need a New Appraisal When You Refinance? It's September of 2019 and interest rates are again approaching historic lows.  This means that many homeowners are considering a refinance --- and for good reasons.  If there is a hurdle for some, it's the cost and risk of getting an appraisal on t...
09/05/2019
Can You Still Get a Stated Income Mortgage? Believe it or not, the calls come in.  "Do you guys still do stated income loans?"  Still?  Seriously, a lot has changed in ten years, but in the home lending building perhaps there has not been a more pronounced departure than the Elvis of all mortgage...
08/28/2019
Do Any Mortgage Lenders Work on the Weekend? The fact of the matter is that a lot of real estate business gets done on Saturdays and Sundays.  Prospective buyers go to open houses and buyers' real estate agents often need to structure offers for their clients.  Unfortunately, not all banks are op...
08/22/2019
How a Refinance Can Drive Down Your Monthly Expenses While all real estate may be local, so too is it true that one homeowner, confronted with the opportunity to save $250 per month through refinancing, for example, may view that as a significant financial relief while another may feel it's not e...
08/15/2019
Should I Refinance into a 15-Year Fixed Rate Mortgage? With the Federal Reserve tongue-tied and twisted and an easy trade war time-tripping into the future, we find ourselves the beneficiaries of another very appealing low interest rate environment here in the second half of 2019.  This stands to...
08/06/2019
Top 10 Tips for Buying a Home in the San Francisco Bay Area Buying a home in the highly competitive San Francisco Bay Area real estate market is a daunting task for nearly everyone. Tales of heartache abound --- “everything goes for over asking price,” “we don’t stand a chance against all-cash of...
07/31/2019
What is APR on a Mortgage? "Can you tell me what your APR is?""Sure.  Can you tell me what APR is?""Uhhhh..."So this really happened.  Many times, in fact.  This is your garden variety, otherwise-intelligent consumer trying to shop for a mortgage.  This is someone earnestly trying to figure out t...
07/25/2019
Closing Costs on a Mortgage When a homebuyer, or homeowner looking to refinance, obtains a mortgage, there are always associated costs.  Even in the so-called "no cost" loan structures, trust me, you're paying something.  When a consumer does the research on what it will cost to get a loan, there...
07/20/2019
Investment Property Jumbo Mortgage with Low Down Payment Since I'm in California, and property values where I live and work tend to be on the, shall we say, higher side, residential real estate investors --- those looking to purchase a home of 1- to 4-units to be used as an income-producing prope...
07/11/2019
Rainmaker
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Rob Spinosa

Vice President of Mortgage Lending, Marin County
Can I Get a Jumbo Loan with 10% Down?
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