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Mortgage and Lending - US Bank - NMLS: 22343



Can You Get a Mortgage with an ITIN? The fact is, despite a very hotly contested immigration debate today in our nation, there are likely several million people in the United States who do not have a Social Security number (SSN), but pay billions in taxes every year.  These individuals might be n...
Lock Watch for the Week of 1/28/2019 Volatility-O-Meter:The shutdown is over and that's great news.  Remarkably the market shrugged it off on Friday though we may bear the brunt of that this week, with both a full slate of important reports, GDP, an FOMC statement and auctions as well. Economical...
Closing in the Name Of There will be no profanity in this post, just in case you get the cultural reference in the title.  I won't even repeatedly scream at you.  Instead we're going to cover a topic that sidesteps injustice, drama or even frequent occurrence, but it deals with a scenario that co...
Lock Watch for the Week of 1/21/2019 Volatility-O-Meter:A short week and an ongoing shutdown might test the defenses of the mortgage market... Economicalendar (all times are Pacific):Mon, 1/14:      Markets Closed.Tues, 1/15:     Existing Home Sales (7am).Weds, 1/16:     Quiet.Thurs, 1/17:    Job...
Landlord Horror Stories Though you may be disappointed and feel misled, we're not actually going to focus on landlord horror stories here. Instead, we are going to talk about the nuances of getting home financing on the purchase of an investment property which, if done improperly, can certainly t...
Lock Watch for the Week of 1/14/2019 Volatility-O-Meter:A good mix of important reports throughout the week and though it does not seem promising at the moment, a resolution to the shutdown brings the potential for the stock market to rally and bonds to sell off.  Be careful. Economicalendar (all...
Can You Get a Mortgage with Assets but No Income? "Can you get a mortgage with assets but no income?"  Well, if I had a dollar for every time I got asked this question, I'd probably then have documentable income and it would send us back to the start of the conversation, right?  Seriously, what w...
Lock Watch for the Week of 1/7/2019 Volatility-O-Meter:Shutdown persists and my guess is that equity market volatility will too.  Bond auctions mid-week and Jerome Powell speaks on Thursday. Economicalendar (all times are Pacific):Mon, 1/7:      Factory Orders and ISM Non-Mfg Index (7am).Tues, 1/...
So You Wanna Buy a Home in 2019? You've decided that 2019 is the year when you stop throwing away your rent money and paying someone else's mortgage.  Maybe you've even made this a written resolution and saved up a down payment to show for it.  But up until this point, it's just been a vision, an...

Rob Spinosa

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