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Mortgage and Lending - US Bank - NMLS: 22343
I Got Another Rate Quote.  Can You Beat It? Talk may be cheap, but money is not.  And you can bet your bottom dollar that most consumers seeking to get a mortgage will shop for the best rate quotes through any number of ways; their local bank, the internet, etc.  We will often get requests to mat...
Lock Watch for the Week of 3/4/2019 Volatility-O-Meter:A healthy slate of reports this week but I'm not sure any of it will break the 15bps range we've held since early January.  Employment situation on Friday warrants the most attention. Economicalendar (all times are Pacific):Mon, 3/4:     Cons...
Will My California Property Taxes Go Up if I Refinance? I would be willing to bet that each year, good financial benefit gets left on the table by those who want to refinance their mortgages but are afraid that by doing so, they may see their California property taxes go up.  Is this concern foun...
Lock Watch for the Week of 2/25/2019 Volatility-O-Meter:Auctions, GDP and a lot of Jerome Powell talk that could give insight into 2019 interest rate direction.   Economicalendar (all times are Pacific):Mon, 2/25:     2-Yr Note Auction (8:30am), 5-Yr Note Auction (10am).Tues, 2/26:     Case-Shill...
Are You a Lender or a Banker or a Broker? "So are you a broker or a lender?"  "Or a banker or a lender?"  "Or a broker/banker?"  Yes, yes, and yes! We get this question all the time, but I think it comes from a good place.  Naturally, everybody shopping for a home loan wants to get the best rates...
Lock Watch for the Week of 2/18/2019 Volatility-O-Meter:Lots of Fed talk this week but few reports. Economicalendar (all times are Pacific):Mon, 2/18:     President's Day, markets closed.Tues, 2/19:     Housing Market Index (7am).Weds, 2/20:     FOMC minutes (11am).Thurs, 2/21:    Jobless Claims,...
Jumbo Mortgage for the Self-Employed One thing of which our industry does a terrible job is promoting a sense of optimism among the self-employed.  Whether the one-man-band sole proprietor, or the complex, greater-than-25% owner of a multi-million dollar S-Corp, this long-suffering subset of the ...
Lock Watch for the Week of 2/11/2019 Volatility-O-Meter:Amid a backdrop of econonic slowdown abroad, the US kicks off the week quietly but then things ought to heat up.  And let's not forget the threat of another government shutdown (Nightmare on Elm St. Part II). Economicalendar (all times are P...
Time Is of the Essence There it is in black and white.  Section 29 of the California Association of Realtors' residential purchase agreement.  "Time is of the essence."  And in real estate transactions, which are inherently complex, this simply means that every day matters.  To be competitive as ...
Lock Watch for the Week of 2/4/2019 Volatility-O-Meter:Compared to last week, there should be relatively few fireworks driven by economic reports.  With the backdrop of a Fed perhaps on hold, this week's auctions (3, 10 and 30) could be interesting.  Economicalendar (all times are Pacific):Mon, 2...

Rob Spinosa

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