California Mortgage Blog

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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
RECENT BLOG POSTS
Howdy, Partner!  How's the Income Look on Your Mortgage Application? I don't care how successful your S-Corporation or partnership may be.  When you go to get a home loan, there will be a new sheriff in town --- your mortgage lender.  So before your loan process gets hung up at high noon, I thoug...
01/30/2020
Form 1098 and Your Mortgage Interest Statement "At first you go bankrupt slowly, and then all at once."  This quote has been attributed to Ernest Hemingway, Mark Twain and even F. Scott Fitzgerald.  Indeed, it's a great one, though fortunately I cannot personally attest to its veracity.  Neverthe...
01/14/2020
What Kind of Insurance Do You Need When You Buy a House? Let me start by saying that I'm not in the insurance business, but that the insurance business is in mine.  And my business is helping home buyers and homeowners get a great mortgage.  So just what are the insurance requirements when you bu...
01/08/2020
Conforming a Little More Each Year 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 moun...
12/30/2019
Are Your California Property Taxes On Supplements? Are you one of the 77% of U.S. adults who takes some form of nutritional supplement?  If so, you've contributed to the estimated $31 billion dollars of revenue that this industry generated in 2018.  So it stands to reason that California counties...
12/16/2019
The Yin and Yang of Mortgages for Business Owners It is no secret that the self-employed have their share of challenges when it comes to getting a home loan. And why wouldn't they? On one hand, their tax professionals spend hours maximizing their deductions and helping them "write off" every allo...
12/03/2019
OK Boomer, You Don't Need 20% Down Bound to happen from time to time in the digital age, a saying goes viral --- in this case, "OK, boomer," --- which is meant to expose a close-minded or out-of-touch opinion, thought or mindset of one generation by another (I'll let you figure out the age demogr...
11/13/2019
 I'm SUArta Back!  The FHA Spot Condo Approval Mortgage lenders that see a fair amount of FHA loans have, for the last few years, lamented the loss of the condominium "spot" approval.  This erstwhile shortcut would allow a single unit of a condo project to be eligible for an FHA loan even where t...
11/05/2019
 How Can I Make My Home Appraise Higher? Whether buying or refinancing a home, when obtaining a mortgage it can be expected that an appraisal will be required.  I talked in a previous post about how we are able to use appraisal waivers in certain instances, but still, most residential real estate...
10/28/2019
Qualifying for a Mortgage? Don't Step in a Large Deposit Mess By far, one of the most confounding experiences when one goes to obtain a mortgage is the sourcing of "large deposits" on a bank statement.  This is our industry's gift that keeps giving.  However, there are some ways to avoid inadvert...
10/21/2019
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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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