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Mortgage and Lending - US Bank - NMLS: 22343



The Perfect Vacation (Home)   With summer upon us, I can't see a better opportunity to go over the definition of a secondary, or vacation, home.  In conventional lending, the characteristics are not arbitrary, and many a borrower wishing to avoid the rate difference between a primary home and an...
111 Gregory Drive, Fairfax, Marin County, California   Exquisitely renovated, architect designed. Kitchen w/granite counters, gas & elec ovens. Open family room w/wet bar, dining room & living room w/wood-burning fireplace. Grand master suite w/jet tub, stall shower. Second bath w/jet tub. Renov...
Lead, Follow or Get Out of the Way:  3 Approaches to Higher Rates   Since May 1, 2013, the 3.000% Fannie Mae mortgage-backed security, the primary debt instrument into which most conforming mortgage loans are sold, has lost over 800 basis points.  All tech speak aside, this is a nice way of sayi...
27 Onyx Court, Larkspur, Marin County, California   A very charming, nicely updated, 3 bedroom, 2 bath home in the most ideal, stroll to town location! - Spacious master suite with remodeled bath. Gorgeous hardwood floors plus fireplace in living room. Open kitchen w/granite counters. Very quiet...
A Super (Jumbo) Success StoryThe good news is that over the last year, jumbo financing has come back in a big way.  Here at RPM, we have a lot more options, resources and capacity then we did for too long a time. The not-so-good news is that jumbo financing can be challenging --- and sellers and...
Countering the Recent Rate Rise   There's no escaping it. It's all over the news now too. Rates are up over the last month and some of our clients may be getting concerned. We, in the industry, cannot escape this reality, regardless of whether or not this move is permanent (I don't believe it is...

Rob Spinosa

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