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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
RECENT BLOG POSTS
The Haunted Loan Process As we wind our way closer to Halloween, I wanted to cover a few of the graveyard variety hobgoblins of the mortgage process.  You know, the things our clients don't tell us at the start and that later come back to haunt their home loan transaction like so many nightmares ...
10/17/2019
When Are Marin County Property Tax Bills Due? As I write this in October of 2019, my very own Marin County property tax bills just arrived.  Well, allow me to reframe that.  It is widely understood that our real estate tax bills are issued "sometime in October," but when you actually receive them...
10/09/2019
What Happens When My Appraisal Comes in Low (or High!)? You’re in the process of buying a home, and so far things have been going pretty smoothly.  Your lender has pre-approved you, your Realtor has found you the perfect home, and with a bit of luck, the seller accepted your offer and now you’re ...
10/03/2019
Your Debt-to-Income Ratio Is High and It Will Be Alright You might have been lured into reading this blog post under the false assumption that I'd be discussing the controversial subject of financing cannabis-related businesses and property.  Well, you can let that notion go up in smoke.  Instead...
09/24/2019
Can I Get a Mortgage If I Am Retired?   I live in an aging county.  So if you ever find yourself vacationing in the lovely city of San Francisco, give this little exercise a try:  Simply get in your Uber.  Or rent one of those death trap three-wheelers at Fisherman's Wharf.  Or bundle up take it...
09/09/2019
Do You Need a New Appraisal When You Refinance? It's September of 2019 and interest rates are again approaching historic lows.  This means that many homeowners are considering a refinance --- and for good reasons.  If there is a hurdle for some, it's the cost and risk of getting an appraisal on t...
09/05/2019
Can You Still Get a Stated Income Mortgage? Believe it or not, the calls come in.  "Do you guys still do stated income loans?"  Still?  Seriously, a lot has changed in ten years, but in the home lending building perhaps there has not been a more pronounced departure than the Elvis of all mortgage...
08/28/2019
Do Any Mortgage Lenders Work on the Weekend? The fact of the matter is that a lot of real estate business gets done on Saturdays and Sundays.  Prospective buyers go to open houses and buyers' real estate agents often need to structure offers for their clients.  Unfortunately, not all banks are op...
08/22/2019
How a Refinance Can Drive Down Your Monthly Expenses While all real estate may be local, so too is it true that one homeowner, confronted with the opportunity to save $250 per month through refinancing, for example, may view that as a significant financial relief while another may feel it's not e...
08/15/2019
Should I Refinance into a 15-Year Fixed Rate Mortgage? With the Federal Reserve tongue-tied and twisted and an easy trade war time-tripping into the future, we find ourselves the beneficiaries of another very appealing low interest rate environment here in the second half of 2019.  This stands to...
08/06/2019
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Rob Spinosa

SVP of Mortgage Lending, Marin County
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