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Mortgage and Lending - US Bank - NMLS: 22343



Making a Difference on a Lark: Bernice Baeza, 1943-2012  You know how it is when you're in the middle of any busy day in the middle of your busy life and you just stumble serendipitously across a headline that makes you stop everything and quiet your thoughts?   I had that experience this week u...
CALIFORNIA PIGGYBACK MORTGAGES  I will be available this weekend to assist with your pre-approvals, offer letters and home loan questions. If I can be of service, feel free to reach me on my cell phone at 415-367-5959, or by e-mail at WE'RE BRINGING PIGGY BACK!I always said...
California Mortgage Rate Update for the Week of 07/23/12     Continuing on with my theme from last week --- that of the worm having turned, I am "staying in this channel," as investors would stay.  The channel is one of lower rates fueled by greater global economic uncertainty and some pretty co...
Escrows, Impounds & Your Mortgage Payment   In this video, I talk about the various definitions of the term "escrow," including the time period associated with a real estate transaction, i.e. “close of escrow,” the entity (escrow company) that acts as a neutral intermediary for the parties of a ...
California Mortgage Rate Update for the Week of 07/16/12     Last week we really saw a shift, in my opinion.  Rates broke into a new channel and have attained their lowest points in history.  Also last week, there was not a whole lot of economic data to move them from their levels and I advised ...
California Mortgage Rate Update for the Week of 07/09/12     In reviewing mortgage interest rates to start the week, it is startling to see the levels at which we open.  Even in 2011, not many felt we would attain rates in this range, yet here we are --- 30-year fixed conforming loans in the mid...
California Mortgage Rate Update for the Week of 07/02/12     Even though this week may be light on work ethic, let's not forget that it will not be light on economic reports.  Already today, with a weaker-than-expected ISM manufacturing report, we are seeing rate movement for the better.  Who's ...

Rob Spinosa

Mortgage Loan Originator, Marin County
local_phone(415) 367-5959
smartphone(415) 367-5959
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