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Mortgage and Lending - US Bank - NMLS: 22343
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...
How to Rock a Bridge Loan   If you've been lamenting how tough it is to get your offer to buy a home accepted these days, think about how much more difficult it is for those who must buy a new home BEFORE selling their existing one.  After all, it's practically impossible to make a contingent off...
How to Rock Cannabis Income on a Mortgage Application   Fifty years ago, when the Doobie Brothers were flying high and the folks in China Grove were rising for another day, it would have been hard to imagine that marijuana would eventually be legal in some states.  But, not legal in all states an...
How to Rock a Mortgage Application Without Hurting Your FICO Score   "What's your rate?" "How much will I qualify for?" "Are you a banker or a broker or a lender?" Nope, nope and nope.  None of these are the #1 question we get before a prospective borrower makes an application for a pre-approval....
How to Rock Cryptocurrency As Your Down Payment   The mere mention of the words "bitcoin" or "cryptocurrency" or "blockchain" is sure to evoke comments and reactions that will be far-reaching.  There will be the speculators who rolled the dice and came up winners, or who are still white-knuckling...

Rob Spinosa

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