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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
RECENT BLOG POSTS
How to Rock Second Home or Rental Property?   Mortgage guidelines are positively prehistoric when compared to newer companies like AirBnB and VRBO, which have gained popularity as interest in short-term rentals has increased. But when it comes to getting a home loan on a property that is not your...
05/19/2022
How to Rock a Family Opportunity Loan   Looking to purchase or refinance a home for your elderly parents who wouldn't otherwise be able to obtain a mortgage on their own? Looking to assist a disabled or special needs adult child with housing or his/her own? Or how about putting a college-bound ch...
05/05/2022
How to Rock a Bridge Loan   If you've been lamenting how tough it is to get your offer to buy a home accepted these days, think about how much more difficult it is for those who must buy a new home BEFORE selling their existing one.  After all, it's practically impossible to make a contingent off...
04/21/2022
How to Rock Cannabis Income on a Mortgage Application   Fifty years ago, when the Doobie Brothers were flying high and the folks in China Grove were rising for another day, it would have been hard to imagine that marijuana would eventually be legal in some states.  But, not legal in all states an...
04/07/2022
How to Rock a Mortgage Application Without Hurting Your FICO Score   "What's your rate?" "How much will I qualify for?" "Are you a banker or a broker or a lender?" Nope, nope and nope.  None of these are the #1 question we get before a prospective borrower makes an application for a pre-approval....
03/24/2022
How to Rock Cryptocurrency As Your Down Payment   The mere mention of the words "bitcoin" or "cryptocurrency" or "blockchain" is sure to evoke comments and reactions that will be far-reaching.  There will be the speculators who rolled the dice and came up winners, or who are still white-knuckling...
03/10/2022
Five Tips for Rocking Home Ownership in 2022   If you searched unsuccessfully for a home and suffered one heartbreak after another in 2021, 2022 hasn't necessarily greeted you with open arms either.  Near non-existent inventory in many areas, fierce competition and rising interest rates have all ...
02/24/2022
Divorce Buyout Refinancing Explained   It's a sobering fact that nearly 50% of married couples will decide to go their separate ways each year. But what happens when there's jointly owned real estate involved? And what if that home has a mortgage on it as well? What's the process for one spouse "...
02/17/2022
Is a No Cost Refinance a Free Ride?   Back in the '70's, Edgar Winter extolled the virtues of taking a free ride.  But since that time and especially when it comes to transactions in the financial world, most of us have been conditioned to know that nothing's ever free. So how does this square wi...
02/10/2022
HELOC or Cash Out Refinance?   As a teenager in the '80's, our dilemmas were a little simpler --- should I stay or should I go? --- for instance.  But today's homeowner faces some additional complexities, especially when it comes to deciding the best way to finance a home renovation or other larg...
02/03/2022
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Rob Spinosa

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