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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
Lock Watch for the Week of 12/10/2018 Volatility-O-Meter:Key inflation reports mid-week will help set the direction.  Recent market (stock and bond) volatility has largely played into a narrative that the Fed may reduce number of forthcoming rate increases, but if inflation comes in hot, I expect...
Each Year I Conform a Little More If you know me, you know that I don't like to stick to convention.  I was the teenager who skipped college, moved to Hollywood and played rock guitar.  In my 20's, I saved up vacation time not for sandy white beaches but instead for expeditions to the harsh mount...
Lock Watch for the Week of 12/3/2018 Volatility-O-Meter:As expected, the week is opening with an attempt to make sense of how the G20/China trade truce may play out. Economicalendar (all times are Pacific):Mon, 12/3:      PMI Mfg Index (6:45am), ISM Mfg Index and Construction Spending (7am).Tues,...
Start Me Up, I Want to Buy a Home  To borrow yet another song reference, and you know I'm fond of those, 'it's not unusual' for first-time buyers to come in our door and readily admit they have no idea where to start the home buying process.  Often they are referred by real estate agents who tell...
Lock Watch for the Week of 11/26/2018 Volatility-O-Meter:Wednesday's gonna be a doozy, so shake off your holiday weekend hangover. Economicalendar (all times are Pacific):Mon, 11/26:      2-Yr Note Auction (10am).Tues, 11/27:      Case-Shiller HPI (6am), Consumer Confidence (7am), 5-Yr Note Aucti...
Grateful for the Grind This year at Thanksgiving, I find myself up against the same challenge as every November --- how to keep the pedal to the metal and avoid succumbing to the seasonal slowdown that will send the unprepared and uninspired in my industry to the couch for a nap that could last u...
Lock Watch for the Week of 11/19/2018 Volatility-O-Meter:Wednesday is a real market day but otherwise the week is light, even if the meals will be heavy... Economicalendar (all times are Pacific):Mon, 11/19:      Housing Market Index (7am).Tues, 11/20:      Housing Starts (5:30am).Weds, 11/21:   ...
Packing Light for Your Departure Property I fielded a call this week and it's one that comes in quite frequently.  "We saw a place we really like and are thinking about putting in an offer.  But we don't know what we're going to do with our existing home and don't think we have time to sell it fi...
Lock Watch for the Week of 11/12/2018 Volatility-O-Meter:"The beatings will continue until morale improves."  Keep your eye on CPI... Economicalendar (all times are Pacific):Mon, 11/12:      Veteran's Day, bond market closed.Tues, 11/13:      Treasury Budget (11am).Weds, 11/14:     CPI (5:30am).T...
For Those About to Buy a Home  I started to get curious about Fannie Mae's HomeReady mortgage program when pricing out loan scenarios that could lean towards either conforming or FHA.  I needed to get a sense of which would provide the better fit for the client.  In so doing, this HomeReady progr...

Rob Spinosa

SVP of Mortgage Lending, Marin County
local_phone(415) 367-5959
smartphone(415) 367-5959
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