California Mortgage Blog

Follow me
Mortgage and Lending - US Bank - NMLS: 22343



Financing Between Five and Ten Properties   I’d like to address a mortgage lending misconception that comes up when a borrower attempts to finance more than four properties.  In fact, this myth is so common that many have come to believe that it’s not possible to get a conventional residential m...
A Pragmatists Guide to Qualified Mortgages (QM)   On January 10, 2014, new mortgage rules will go into effect that will change the way home loans are originated by just about every institution.  These changes stem from the Dodd-Frank Wall Street Reform and Consumer Protection Act passed in 2010....
Killing Us Softly: Washington's Real Estate Revenge   As we look over the horizon to the New Year, isn’t it quite amazing to observe how far we’ve come since 2008 --- that time of great uncertainty in the real estate industry? While it took a combination of factors to lift us out of that deep, d...
What Happens If My Appraisal Comes In Low?   I thought I would address a question that comes up either occasionally (or frequently, as the real estate market might dictate...):  "What happens if my appraisal comes in low?"  And so I'd like to cover the relationship between purchase price and app...

Rob Spinosa

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

REX Homebuyer Participating Lender

80-10-10 Loans

What Happens if My Appraisal Comes in Low?

Can I Get a Cosigner on a Mortgage?