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Mortgage and Lending - US Bank - NMLS: 22343



My Commencement Speech to the Class of 2014 - 2017   Good morning students, family, friends and faculty,   It is my honor to be here on this fine day, to see you off on your adventure into the mortgage future.  When you arrived at the Institution of Home Ownership in 2004 through 2007, recall how...
The New & Improved Tips for Sabotaging Your Open House   I know you didn't think it was possible, but here is a an update to a list I began some time ago.  As a mortgage professional, I am fortunate to have somewhat of an outsider's perspective on our local broker tour --- I am not a real estate ...
Go Ahead!  Drone On About Your New Listing!   Some of you may know that I do a bit of video marketing.  I rely on Doug Canning, here in San Rafael, to shoot and edit the video and while we were working on my last production, he mentioned that he'd purchased an aerial drone to which he can mount a...
I Have Impressive ARMs   Actually, I don't have impressive arms and never have.  While we're on the topic of needles, no amount of iron or swimming has ever "moved the needle" in terms of adding circumference to my puny pop guns.  But...   RPM is pleased to add its newest jumbo program in the for...
10% Down with Pledged Assets   Here in California, I come across a lot of home financing scenarios, especially on the jumbo side, where the buyer would prefer to make a 10% down payment instead of a 20% down payment.  And what we commonly see is that as the price range of the home increases, so t...

Rob Spinosa

Mortgage Loan Originator, Marin County
local_phone(415) 367-5959
smartphone(415) 367-5959
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REX Homebuyer Participating Lender

80-10-10 Loans

What Happens if My Appraisal Comes in Low?

Can I Get a Cosigner on a Mortgage?