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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
I'm Here to Help You  Be clear. Be specific. Reduce uncertainty. Speak to the most pressing need. Keep running.  You still have a long way to go.  No, I did not just come down off the mountain of some Tony Robbins motivational speech.  No, I did not use the featureless timescape of shelter-in-pla...
I'm Refi The Cash Out Man Sing to the tune of Popeye the Sailor Man: I'm Refi the Cash Out Man.  You're lookin' for cash in hand.Your house is worth plenty, you can access them pennies,So cash out?  Indeed you can. We're in a pandemic, you hear jumbo lenderswon't refi your equity spare.But that a...
10% Down Payment Mortgage But I don’t get it. 2020 started just like the many of the years that preceded it. Sure, there was a seasonal slowdown in home buying activity as we got through 2019’s holiday season and got the new year underway, but with interest rates at historic lows, a strong seller...
The New Abnormal We've just turned the corner from March to April, but here in the San Francisco Bay Area, we are still sheltered in place (SIP).  Everybody in our home is making adjustments to our new abnormal and it's a good lesson for today's homeowner too.  We may not be able to move around o...
Errors of Intent Watching the world grapple with a pandemic has had a profound impact on my ability to count blessings.  Yes, we are sheltered in place, but my immediate family is presently in good health.  And though I suspect the coming days, weeks and months will be disrupted by yet unknown ch...
We Are Essential I've seen a few movies in my career; 9/11, Lehman collapse, the CFPB crusades to name a few.  But the Corona virus (COVID-19) will no doubt test the mortgage banking industry in novel and difficult ways.  So it was heartening to receive this update from our COO today and amidst t...
 Your Credit May Be Good, But Is It Jumbo Good?  "I have an 800 FICO so I know I'll qualify..." We, here at Guaranteed Rate, pride ourselves on being a great jumbo mortgage lender. And because of my geography and clientele in the San Francisco Bay Area, we encounter a lot of higher loan amounts. ...
Part-Time Jobs, Second Jobs and Your Mortgage Application I remember thumbing through the Recycler in Los Angeles when I first moved out there as a teenager.  Living on a shoestring budget, I was especially intrigued by the ads that promised the ability to make thousands per month while sitting i...
Can Income from Your Vacation Rental Help You Qualify for a Mortgage? Ok.  I'm going to go out on a limb here and say that someone reading this post has, at one point in his/her life, taken an Uber to an AirBnB.  It makes sense and it's a perfect exemplification of the "gig economy" working in bo...
What Is an Alternative Mortgage? Every so often in popular music, movies, art and culture, the unconventional becomes the rage, the "alternative" becomes mainstream.  When it does, it usually reshapes people's ideas of what's "normal" and it can redefine what's acceptable --- even preferred --- f...

Rob Spinosa

SVP of Mortgage Lending, Marin County
Can I Get a Jumbo Loan with 10% Down?

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