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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
RECENT BLOG POSTS
Using a Jumbo Mortgage to Buy a Second Home in Hawaii Who, stateside, doesn't at least want to entertain the idea of calling it a long work week, heading to the airport and then a few hours later touching down on one of the Hawaiian islands?  What if you're on the cusp of that reality and have de...
03/20/2019
Lock Watch for the Week of 3/18/2019 Volatility-O-Meter:All eyes on the Fed this week. Economicalendar (all times are Pacific):Mon, 3/18:     Housing Market Index (7am).Tues, 3/19:     Factory Orders (7am).Weds, 3/20:     FOMC Meeting  (11am).Thurs, 3/21:    Jobless Claims and Philadelphia Fed Bu...
03/19/2019
What Is an Escrow Account? When renters desire to become home buyers, they quickly learn once in the mortgage process that their single rent payment will morph into "PITI" or "principal, interest, taxes and insurance," or a "total monthly housing payment."  So, yes, there are additional monthly e...
03/13/2019
Lock Watch for the Week of 3/11/2019 Volatility-O-Meter:A lot of key reports this week and on the heels of the real dud of a jobs number Friday.  Could this be an inflection point?  We'll see. Oh, and let's not forget auctions too. Economicalendar (all times are Pacific):Mon, 3/11:     Retail Sal...
03/11/2019
I Got Another Rate Quote.  Can You Beat It? Talk may be cheap, but money is not.  And you can bet your bottom dollar that most consumers seeking to get a mortgage will shop for the best rate quotes through any number of ways; their local bank, the internet, etc.  We will often get requests to mat...
03/07/2019
Lock Watch for the Week of 3/4/2019 Volatility-O-Meter:A healthy slate of reports this week but I'm not sure any of it will break the 15bps range we've held since early January.  Employment situation on Friday warrants the most attention. Economicalendar (all times are Pacific):Mon, 3/4:     Cons...
03/04/2019
Will My California Property Taxes Go Up if I Refinance? I would be willing to bet that each year, good financial benefit gets left on the table by those who want to refinance their mortgages but are afraid that by doing so, they may see their California property taxes go up.  Is this concern foun...
02/28/2019
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...
02/25/2019
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...
02/21/2019
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,...
02/18/2019
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RobSpinosa

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