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Mortgage and Lending - US Bank - NMLS: 22343



A Look at the REX Homebuyer Program   In previous blog posts I've talked about the REX homebuyer program, and the short video below covers the main points of this equity share agreement.  I'm pleased to report from recent experience that REX down payment funding is allowing buyers to reach up in ...
Non(QM)sense!   Going into the January 10, 2014 inception date of the Qualified Mortgage, or QM, we in the mortgage industry faced a nonstop barrage of concern about whether or not our lending capacity would stay the course or steadily devolve into nonexistence. This turns out to be a nonissue he...
Holding Back the Ocean:  Senate Votes to Mitigate Flood Insurance Disaster   Here in Marin County, CA, we are blessed to live in proximity to the San Francisco Bay and the Pacific Ocean.  One of the drawbacks of this, however, is that many areas of our towns are in designated flood zones.  In add...
What Is a Portfolio Loan?   The other day a loan applicant asked me if he could get a portfolio loan.  What struck me as unusual here was not the request, but the phrasing of the question itself. You see, I know that nobody is going to ask in this manner unless he/she has already been through the...
The Price Is Not Right   One thing I'm seeing a lot more of these days, and this can largely be attributed to a lack of available homes for sale here in Marin County, California, is that buyers are being forced higher in price, or lower in home quality.  Both outcomes, if played to their logical ...
138 16th Avenue, San Francisco   This incredible property in the Lake Street neighborhood of San Francisco will be coming on the market and will have an open house on Sunday, March 2, 2014.  The listing agent is Tricia O'brien with Pacific Union .  Tricia and I have worked together before and I'm...

Rob Spinosa

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