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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
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...
Can You Get a Mortgage with an ITIN? The fact is, despite a very hotly contested immigration debate today in our nation, there are likely several million people in the United States who do not have a Social Security number (SSN), but pay billions in taxes every year.  These individuals might be n...
Lock Watch for the Week of 1/28/2019 Volatility-O-Meter:The shutdown is over and that's great news.  Remarkably the market shrugged it off on Friday though we may bear the brunt of that this week, with both a full slate of important reports, GDP, an FOMC statement and auctions as well. Economical...
Closing in the Name Of There will be no profanity in this post, just in case you get the cultural reference in the title.  I won't even repeatedly scream at you.  Instead we're going to cover a topic that sidesteps injustice, drama or even frequent occurrence, but it deals with a scenario that co...

Rob Spinosa

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

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