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Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
RECENT BLOG POSTS
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An Inch from Success My 5-year old has an uncanny ability to teach me lessons.  I'm going to get to that in a minute but you first have to understand my great disappointment when he would just flat refuse to ride his new bike.  Now I have to sidetrack us just a bit.  This bruiser of a mountain bi...
10/08/2017
Unlocking a HELOC Mystery If you could create a client-facing "tip sheet" for your business, a simple punch list of things to do and not-to-do, what would be on that list?  You know, the items that always seem to fly under the radar of public knowledge and wisdom, but the ones that frequently und...
09/29/2017
All in the Family Opportunity I was just trying to help the guy out.  He wanted to refinance his mortgage but his credit scores and debt-to-income ratio prevented him from doing so.  His response was not all that unusual. "This makes no sense!  I'm already paying the higher mortgage so why won't ...
09/21/2017
Six Business Lessons Rescued from the Ironman Swim Imagine yourself  standing on a beach at 6:55am.  The cool dawn envelopes your senses and the damp sand to which your toes clutch feels like your only shelter.  You are wearing a wetsuit, goggles and a swim cap, and though you are sharing your ex...
09/11/2017
What Happens When You Flip-Flop On Your Home's Listing? Oh how we love to skewer our politicians for their changes of heart and mind: "I was for the Iraq war before I was against it."  Or: "Read my lips.  No new taxes."  Or, better still: "You're going to have such great health care, at a fractio...
09/08/2017
A Primer on Prime Rate When we hear talk of the Federal Open Market Committee (FOMC) adjusting interest rates, there is one index in the mortgage environment that we know will be impacted, even when 30-year fixed rate loans may not see any change to their pricing. This rate is known as Prime Rate...
08/29/2017
Stated Income: The Band That Is NOT Getting Back Together Not a week goes by that I don't get asked in some fashion, explicitly or implicitly, if stated income loans are coming back.  And at the risk of making this a record-short blog post (for me, anyway), let me cut right to the Blues-Brotheres...
08/24/2017
Can I Use RSU Income to Qualify for a Mortgage? Way back in 1997, Jeff Bezos set forth his bold business plan for Amazon, with proviso #9 reading:  "We will hire and retain the best people and we will not pay them with cash."  Wait.  What??? So I guess it's no longer any secret that many technolo...
08/17/2017
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For Your Eyes Only You’ve decided to work with RPM Mortgage and you’re about to begin the loan process.  How can you be certain that the personal and confidential information you send to us --- the sensitive documents such as tax returns, paystubs and bank statements --- stays secure in transit a...
08/10/2017
Caution:  Collateral Crossing A while back, and in this post here, I talked about the four distinct ways that a homebuyer could purchase a new home without first selling his existing one.  And of the options, perhaps the least understood and most complex is the cross-collateralization program.  T...
08/03/2017
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Rob Spinosa

Executive Loan Advisor, Marin Mortgage Pro
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