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Mortgage and Lending - US Bank - NMLS: 22343
How to Rock an FHA Home Loan!!!  Are FHA loans just for first time home buyers?   Is an FHA mortgage the best choice if you have bad credit? What if you have a low down payment, or even no down payment from your own savings? If you're ready to quit renting right here and right now, let's learn ho...
How to Rock Shopping for Mortgage Rates!!!  Have a rate quote but want to see if another lender, banker or broker can "beat it?" Concerned that the Fed will keep hiking rates and trying to decide whether to lock your rate today? Mortgage rate shopping doesn't need to be stressful if you follow th...
How to Rock a Housing Recession!!!  Is now a good time to buy a house? Are we headed into another housing recession? What happens if mortgage rates keep going up? Should I just keep renting while we wait to see what happens with the economy? Since these have been the predominant questions on our ...
How to Rock Adding a Co-Signer on a Mortgage!!!  When your fantasy of owning a home meets the reality of qualifying mortgage, it can sometimes mean that you'll need a little help.  And in more than a few of those cases, the most elegant solution can be a co-signer, technically known as a "non-occ...
How to Buy a New Home Before Selling Your Current One!!!  Living in a "crowded house" but can't find a way to buy that perfect new home before selling your existing one?  Don't dream it's over! There are mortgage programs that are specifically created to allow you to use proposed rental income fr...
How to Rock a 10% Down Payment!!!   Why go home to your grungy apartment when you can buy your first home instead?  Oh, what's that?  Haven't saved the full 20% down payment?  Live in a part of the country where home prices and loan sizes easily outpace the capacity of conforming, FHA and even VA...
How to Rock a Mortgage Pre-Approval!!!   Buying your first home is a daunting task and can be a huge undertaking for the first-time buyer.  Shoot, even for a move-up buyer, the experienced downsizer or a seasoned investor, it can sometimes be difficult to know where to begin.  But getting a mortg...
How to Rock Rising Mortgage Rates!!!   No doubt about it, since 2022 got underway, mortgage rates have been on a stairway higher and that makes it harder for our buyers to qualify for a mortgage on one hand and even when they do qualify, it puts additional strain on their household budget on the ...
How to Rock Second Home or Rental Property?   Mortgage guidelines are positively prehistoric when compared to newer companies like AirBnB and VRBO, which have gained popularity as interest in short-term rentals has increased. But when it comes to getting a home loan on a property that is not your...
How to Rock a Family Opportunity Loan   Looking to purchase or refinance a home for your elderly parents who wouldn't otherwise be able to obtain a mortgage on their own? Looking to assist a disabled or special needs adult child with housing or his/her own? Or how about putting a college-bound ch...

Rob Spinosa

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