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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
RECENT BLOG POSTS
It's Cool to Conform in 2021 If you know me, you know that I don't like to stick to convention.  I was the teenager who skipped college, moved to Hollywood and played rock guitar.  In my 20's, I saved up vacation time not for sandy white beaches but instead for expeditions to the harsh mountain e...
12/02/2020
Marin County Vote by Mail Ballot Drop-Off Locations  This election cycle, there has been much disinformation propagated about voting by mail, and in an effort to help fellow community members arrive at the truth, I am providing below the drop-off locations as an additional way to submit your ball...
10/20/2020
The Seven Real Estate Stages of the Pandemic  By now, some of us have lost a loved one, friend or community member to COVID-19.  Though if the cavalier denialism exhibited by some Americans is an indicator, there are still many who have yet to share the magnitude of such a loss.  But even putting...
10/13/2020
What Are Credit Tradelines?  I think I've made it clear before that I find no shame in talking about how hard we work for our clients. My assistant, Jamie, and I see a good number of mortgage applications come across our desks every week and in 2019 and 2020, a high percentage of them have been f...
09/29/2020
Can I Refinance a Mortgage on a COVID Forbearance Plan?  Back at the end of the first quarter of 2020, the president might still have wanted to downplay COVID, but many real American homeowners suddenly found themselves in dire financial straits and quickly took advantage of the forbearance plans...
09/22/2020
Should I Keep Making My Mortgage Payment?  With so many people refinancing these days, and with the loan process sometimes crossing one or two months' time, a question we frequently get from those in process is, "Should I keep making my mortgage payment?"  The answer is a simple and clear, "Yes!"...
09/02/2020
How To Win a Real Estate Bidding War  What's the one thing you can do to make your offer to buy a home stand out?  What's the secret sauce, the magic bullet, the key to success?   If you answered, "There isn't one," you're pretty close.  Truth is, I haven't found any singular aspect of any offer ...
08/25/2020
How Do Rate Locks Work?  There is one thing in common among all of our clients.  No matter what price point, no matter what loan size, no matter good credit or bad, no matter first-time buyer or seasoned investor, all are looking for the lowest interest rate at the lowest cost.  But how does a mo...
08/04/2020
Anyone Can Hold the Helm When the Sea is Calm  If your business is anything like mine, COVID is presently dishing out challenge after challenge to the way you (used to) work.  If it hasn't already driven many nails into the coffin of the way things were, then I'm willing to bet you're within ears...
07/28/2020
How Long Is a Pre-Approval Good For?  You've decided to make the leap and enter the real estate market as a buyer.  You've been looking at homes online, the temptation has become too strong and you realize it's time to hit the street and actually start looking at properties.  Your Realtor almost ...
07/22/2020
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Rob Spinosa

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