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Mortgage and Lending - US Bank - NMLS: 22343



New Rules Could Make Mortgages More Elusive for Some in Marin   I was quoted by writer Janis Mara, in our local newspaper, the Marin Independent Journal regarding the mortgage regulations that became effective January 10.  This article strikes a tone that I think is valid --- that is, the Qualif...
You Can Pledge Allegiance But Can You Also Pledge Assets?   Just as we are all taught at a young age to stand, face the flag and recite the Pledge of Allegiance, so too are we indoctrinated very early on that if we wish to buy a home, it will most likely take a 20% down payment to do it.  But le...
How to Survive an Appraisal That 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 ...
Financing Multiple Properties     In the short video below, we're going to examine the mortgage options that exist when a buyer or owner is looking to buy or refinance multiple properties, specifically between five and ten financed properties.   The first thing we cover here are occupancy types,...
How Much Would YOU Pay for Consumer Protection?   As we all know, this Friday, January 10, 2014, saw the implementation of many of the Dodd-Frank provisions that directly impact the mortgage industry.  As lenders, we are now held to making sure our originated loans meet the criteria in Dodd-Fran...
Who Is a REX Participating Lender?   When the lights go down in the city, do you ever lose sleep over how you're ever going to possibly buy a home in the San Francisco bay area, or any other part of California?  Do you want to get back to your (imagined) city where a 20% down payment doesn’t eas...

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?