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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
RECENT BLOG POSTS
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 ...
02/14/2019
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...
02/11/2019
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 ...
02/07/2019
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...
02/04/2019
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...
01/31/2019
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...
01/28/2019
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...
01/24/2019
Lock Watch for the Week of 1/21/2019 Volatility-O-Meter:A short week and an ongoing shutdown might test the defenses of the mortgage market... Economicalendar (all times are Pacific):Mon, 1/14:      Markets Closed.Tues, 1/15:     Existing Home Sales (7am).Weds, 1/16:     Quiet.Thurs, 1/17:    Job...
01/21/2019
Landlord Horror Stories Though you may be disappointed and feel misled, we're not actually going to focus on landlord horror stories here. Instead, we are going to talk about the nuances of getting home financing on the purchase of an investment property which, if done improperly, can certainly t...
01/15/2019
Lock Watch for the Week of 1/14/2019 Volatility-O-Meter:A good mix of important reports throughout the week and though it does not seem promising at the moment, a resolution to the shutdown brings the potential for the stock market to rally and bonds to sell off.  Be careful. Economicalendar (all...
01/14/2019
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RobSpinosa

SVP of Mortgage Lending, Marin County
local_phone(415) 367-5959
smartphone(415) 367-5959
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