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Mortgage and Lending - US Bank - NMLS: 22343
The Low Down on Jumbo Mortgages  One thing I look forward to every year are a few, select running races.  The Dipsea in June, an ultramarathon in the spring or fall, and the Tamalpa Runners TCRS series of club runs, where for $5 you can get your seat handed to you by some of the best runners, of ...
Pride  My most formative years were spent in the suburban Chicago-land area.  Our subdivision was an island among sea of cornfields.  The high school from which I graduated in the late '80's would have won no awards for diversity.  And if, at that time, you were my age and knew your sexual orient...
Your Pandemic Guide to a Jumbo Mortgage  "Our Realtor said it's very difficult to get a jumbo loan these days.""We tried to do a cash out jumbo refi on our place but our bank told us that they're not doing those anymore.""We wanted to refinance our jumbo loan but by the time we did the research t...
Will My Property Taxes Go Up If I Refinance?  Because the current interest rate environment is so conducive to refinancing, a concern that some have about taking action stems from confusion related to how their property taxes are determined, and specifically the question, "Will refinancing cause ...
How Hard Is It to Refinance a Mortgage?  On a weekend morning you wake up:A)  Before 6AM.B)  Before 8AM.C)  Before 10AM.D)  Yeah, yeah, I'm awake... It's time to take out the trash when:A)  Pickup is the following day.B)  The level of trash is approaching the top of the trash can.B)  The level of...
N/O/O:  Jumbo Mortgage's Scarlet Letters  May 1, 2020Day 46 of Shelter-in-Place If you are a real estate investor at this time, in this market and looking for a jumbo mortgage to buy a non-owner occupied home (N/O/O), you may feel like our industry sees you with a scarlet letter(s) on your chest....
A big THANK YOU for helping make me a top originator in 2019. I'm proud to be among Guaranteed Rate's top originators in the country, as ranked by industry publication Mortgage Executive Magazine.  For 2019, Guaranteed Rate placed 45 of us in the nation's Top 200, and we could not have done this ...
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...

Rob Spinosa

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