Crystal Ball: The Next 10 Years in the Mortgage Industry  Back in September, the editor of the mortgage industry's "The M Report" publication asked RPM's marketing director if any of our company's loan advisors might want to take a shot at looking 10 years down the road and charting the course for our industry.  I was honored to be asked to contribute and the article that follows is the unedited/properly edited one that now appears in December's issue, which can be found online at the link to follow.  The feature starts on page 29:   http://digital.themreport.com/i/615609-december-2015-fortune-tellers I knew the day would come. In fact, I had rehearsed it several times since my mother passed away, far sooner than any of us expected. The contents of the ragged manila folders, pried from ... 12/20/2015

61 N. Knoll Road, Mill Valley, Marin County, California   A LOT of house for the money! Tax records show over 3800sq ft, 5/6 bedrooms + 4 baths. Huge full basement. Storage galore + flat fenced yrd. Large livingroom, formal diningroom, family room + conversation pit w/wet bar. Deck w/Mt Tam view. Loads of potential. Well built, just needs updating. 3 car attached garage + space for more cars, RV or boat. Nice kitchen/breakfast room. Pantry + laundryroom, 1 bedroom + 1bath on main floor, large master has stall shower w/sauna. Seperate guest bedroom w/private bath. Great opportunity!   For more information about this property, contact Justine Fairey at 415-257-2043. To be pre-approved for a home loan for this purchase, contact Rob Spinosa at 415-367-5959. Robert J. SpinosaHome Loan Profe... 04/04/2013

158 Richardson Drive, Mill Valley, Marin County, California     Welcome to this (approximately) 3,125 sqft, 4+ bed, 3 full bath ranch style home w/sunny level lawns & views! Enjoy the living & family rooms each with a wood burning fireplace opening to a patio ideal for indoor/outdoor entertaining. Formal dining room, remodeled kitchen, laundry room, hardwood, tile & carpet flooring. Great front yard & back patio, mature landscaping. Wonderfully located just steps from Strawberry K-5 Elementary School, Park & Rec Center.   Remodeled kitchen with granite countertops and backsplash, stainless steel appliances, wood cabinetry, and bar-stool counter-bar from adjacent living room with fireplace. Good-sized bedrooms all with hardwood floors and en suite Master bed/bath. 3-car garaged parking ... 06/28/2012

111 East Strawberry Drive in Mill Valley is a solid home in a super convenient location next to Strawberry Point School and the community pool. The home features 3 bedrooms, 1 bath, living room and family room off of kitchen--with French doors that open to the patio and back yard--all on one level with a large, level landscaped lot. Detached studio/office in the back yard. Only one block to public transportation. Great schools too! Come see it today, Sunday April 1, from 1-4pm! 111 East Strawberry Drive Back Yard 04/01/2012

17 Strawberry Circle, Mill Valley, California    Upgraded and move-in ready. This four bedroom two bath home has been beautifully cared for and renovated. Travertine tile in kitchen and family rooms, all new interior and exterior doors and double paned windows, new appliances, carpet and laminate flooring, interior and exterior paint, lovely front and rear yard. Enjoy the proximity to the bay, shopping, award winning schools, the Strawberry Rec. center, dining and easy access to 101.       For more information about this property, contact Janelle Fazackerley at 415-250-9040.  To be pre-approved for a home loan for this purchase, contact Rob Spinosa at 415-367-5959.                           Robert J. SpinosaHome Loan ProfessionalDRE: 01297944 NMLS: 22343591 Redwood Hwy. Suite 1150Mill ... 01/20/2012

This recently built home in Mill Valley is for sale at an incredibly low price and it still isn't selling. I guess the biggest issue is there don't seem to be any real buyers in this price range right now, otherwise this home at this value would have been snatched up! This home is currently listed at $1,895,000. It is ~4,000 sqft and has views of Richardfon Bay. I target fair value in a normal market for this home around $2m and all we are getting is $1.6m verbal offers. I am pretty sure the seller would make the trade at $1.75m which would equate to $437/sqft. You can't build homes like this in Marin County CA for that price which means you are gettting the land in Mill Valley CA, as well as the Mill Valley School system, and the lifestyle all for free. That is REAL value. The seller i... 08/12/2009

I just listed a fantastic single-family home in the Strawberry area of Mill Valley that will be open this Sunday, April 27th from 1-4pm.  Built in 1949, This charming and contemporary 3 Bedroom / 2 Bath Mill Valley property located at 144 Richardson Drive in Mill Valley (MLS # 20812542) features an open and inviting floorplan as well as incredible outdoor space.   Property features include:3 Bedrooms, 2 Full Baths Updated contemporary kitchen featuring stainless steel appliances and custom cabinetryRemodeled and updated bathroomsSparkling Hardwood floors throughoutCozy wood-burning fireplace with vintage facade1 car attached garageAmazing yard with lush landscaping, two decks, and a Endless Pool ("treadmill pool") for relaxing or a wonderful cardio-intensive workout!Walk to nearby shopp... 04/25/2008