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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
RECENT BLOG POSTS
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Let Me Be Clear  As we go through life, I'd bet most of us come to a point where we realize we must be comfortable in our own skin.  Warts, blemishes, imperfections and all.  So as my career has progressed, I have had less difficulty ditching the pretense of needing to conceal the fact that I nev...
06/02/2020
Your Pandemic Guide to a Jumbo Mortgage  "Our Realtor said it's very difficult to get a jumbo loan these days.""We tried to do a cash out jumbo refi on our place but our bank told us that they're not doing those anymore.""We wanted to refinance our jumbo loan but by the time we did the research t...
05/28/2020
Will My Property Taxes Go Up If I Refinance?  Because the current interest rate environment is so conducive to refinancing, a concern that some have about taking action stems from confusion related to how their property taxes are determined, and specifically the question, "Will refinancing cause ...
05/19/2020
How Hard Is It to Refinance a Mortgage?  On a weekend morning you wake up:A)  Before 6AM.B)  Before 8AM.C)  Before 10AM.D)  Yeah, yeah, I'm awake... It's time to take out the trash when:A)  Pickup is the following day.B)  The level of trash is approaching the top of the trash can.B)  The level of...
05/13/2020
N/O/O:  Jumbo Mortgage's Scarlet Letters  May 1, 2020Day 46 of Shelter-in-Place If you are a real estate investor at this time, in this market and looking for a jumbo mortgage to buy a non-owner occupied home (N/O/O), you may feel like our industry sees you with a scarlet letter(s) on your chest....
05/05/2020
A big THANK YOU for helping make me a top originator in 2019. I'm proud to be among Guaranteed Rate's top originators in the country, as ranked by industry publication Mortgage Executive Magazine.  For 2019, Guaranteed Rate placed 45 of us in the nation's Top 200, and we could not have done this ...
04/28/2020
I'm Here to Help You  Be clear. Be specific. Reduce uncertainty. Speak to the most pressing need. Keep running.  You still have a long way to go.  No, I did not just come down off the mountain of some Tony Robbins motivational speech.  No, I did not use the featureless timescape of shelter-in-pla...
04/21/2020
I'm Refi The Cash Out Man Sing to the tune of Popeye the Sailor Man: I'm Refi the Cash Out Man.  You're lookin' for cash in hand.Your house is worth plenty, you can access them pennies,So cash out?  Indeed you can. We're in a pandemic, you hear jumbo lenderswon't refi your equity spare.But that a...
04/14/2020
10% Down Payment Mortgage But I don’t get it. 2020 started just like the many of the years that preceded it. Sure, there was a seasonal slowdown in home buying activity as we got through 2019’s holiday season and got the new year underway, but with interest rates at historic lows, a strong seller...
04/05/2020
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The New Abnormal We've just turned the corner from March to April, but here in the San Francisco Bay Area, we are still sheltered in place (SIP).  Everybody in our home is making adjustments to our new abnormal and it's a good lesson for today's homeowner too.  We may not be able to move around o...
04/01/2020
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Rob Spinosa

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