Profile

Cover photo
Rob Spinosa
Works at RPM Mortgage
Attended Wheaton Central High School
Lives in Mill Valley, CA
217,628 views
AboutPostsPhotosYouTube+1'sReviews

Stream

Rob Spinosa

Shared publicly  - 
 
Considering a multi-family property as your first home? Let's talk down payment requirements and what it takes to become an owner and landlord at the same time.
Low down payment jumbo mortgages for 2-unit or multi-family properties including triplex and 4-unit homes. Mortgage and loan options landlord experience
1
Add a comment...

Rob Spinosa

Shared publicly  - 
 
Don't stress it about Brexit (and your mortgage refi options)...
What is a no cost refinance? How does a no-cost refinance work? Is a no cost refi a good deal? What's the catch with a no-cost refi? Paying closing costs.
1
Add a comment...

Rob Spinosa

Shared publicly  - 
 
A little heavy reading about condominium financing and what happens when you need a mortgage for a non-warrantable condo project.
Can I get a loan on non-warrantable condo? Mortgage programs are available to finance the purchase or refinance of an ineligible condominium in California.
1
Add a comment...

Rob Spinosa

Shared publicly  - 
 
Where will the mortgage industry be in 10 years?  Let's look both forward and backward.
A look forward 10 years in the mortgage industry and how our expert service will allow us to prevail against oppressive regulation.
1
Add a comment...

Rob Spinosa

Shared publicly  - 
 
Having trouble understanding why it can be a challenge to get a home loan these days?  You may be a TRIDneck!
Humor related to the very real challenges imposed on the real estate and mortgage industries as a result of TRID disclosures and procedures.
1
Add a comment...

Rob Spinosa

Shared publicly  - 
 
Looking to buy your first home?  Ever wondered how long your pre-approval is good for once you begin working with a lender?
If you are looking to get a mortgage pre-approval you may ask yourself "How long is my pre-approval good for?" Can you shop for a home loan ov...
1
Add a comment...

Rob Spinosa

Shared publicly  - 
 
Looking to buy a home but in the US on a work visa (as a non-permanent resident alien)? Here's what you need to know about it.
Can I buy a home and get a jumbo loan if I have a work visa? Non-permanent resident alien home loan options, piggyback and 80-10-10 in California.
1
Add a comment...

Rob Spinosa

Shared publicly  - 
 
Worried about how the outcome of the Presidential election could influence mortgage rates and the real estate market?
A lighthearted look at mortgage rate trends in presidential election years. Should I be concerned about an election when buying a home? Home loan rates.
1
Add a comment...

Rob Spinosa

Shared publicly  - 
 
Need to sell your existing house and buy another?  Logistics of move stressing you out?  Rent back, Jojo!
How do I sell my home and buy another? Can I stay in my home after I sell it? How does a rent back work? Mortgage in California and San Francisco Bay Area.
1
Add a comment...

Rob Spinosa

Shared publicly  - 
 
Trying to buy a home in a "high cost" area with 10% down?  We can help!
What is an 80-10-10 jumbo loan? Can I buy a home with 10% down payment? How do I qualify for a jumbo piggyback loan?
1
Add a comment...

Rob Spinosa

Shared publicly  - 
 
Use your iHeart Radio app and join The Best of Investing today at noon! I'll be on air talking with Edward and Mark about the real estate and financial outlook for 2016 as well as revealing some skeletons in the closet: http://www.talk910.com/main.html
1
Add a comment...

Rob Spinosa

Shared publicly  - 
 
Too often the headlines are misleading when it comes to accurate information about getting the best mortgage.
1
Add a comment...
Story
Tagline
California Mortgage Professional / Ironman Triathlete
Introduction
I'm Rob Spinosa and I'm a home loan professional in Marin County, CA, just north of San Francisco.  I work for RPM Mortgage in Mill Valley.  I also compete in Ironman triathlons and apply my commitment and dedication to excellence to every mortgage client with whom I work.  I provide great rates, great service and unparalleled accountability and accessibility.  I can be reached at 877-270-5959 or at rspinosa@rpm-mtg.com.  NMLS: 22343, DRE: 01297944. 

RPM Mortgage, Inc. Equal Housing Opportunity. CA Dept. Of Real Estate - real estate broker license # 01818035. NMLS # 9472

 
Bragging rights
Husband, father, finance professional, 14x Ironman finisher.
Education
  • Wheaton Central High School
    1985 - 1988
Basic Information
Gender
Male
Work
Occupation
Marin Mortgage Broker, NMLS: 22343, CaBRE: 01297944
Skills
Mortgage, home loans, purchase, refinance, 80-10-10, financing, real estate.
Employment
  • RPM Mortgage
    Mortgage Loan Originator, 2009 - present
    I provide a mortgage experience that is easy to understand, financially beneficial and ultimately culminates in long working relationships. I have an optimism and passion for my profession that I love to share with others. I believe my clients should receive both great rates and stellar service and I commit to exceeding their expectations when it comes to accountability, responsiveness and results. With more than 15 years in mortgage lending, I have helped an extensive number of satisfied clients realize the dream of responsible home ownership.
Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
Mill Valley, CA
Previously
Marin County, CA - Sausalito, CA - Larkspur, CA - Corte Madera, CA - Tiburon, CA - Belvedere, CA - Kentfield, CA - Greenbrae, CA - Ross, CA - San Anselmo, CA - Fairfax, CA - San Rafael, CA - Novato, CA
Rob Spinosa's +1's are the things they like, agree with, or want to recommend.
Ferguson Is My Problem Too
www.linkedin.com

Ferguson Is My Problem TooWarning: Reader discretion is advised. This is not meant to be a commentary on race relations. It's not meant to b

RSD - On-Line Shopping
plus.google.com

On-Line Shopping for Roofing and Siding materials.

Lead, Follow or Get Out of the Way: 3 Approaches to Higher Rates
activerain.com

Lead, Follow or Get Out of the Way: 3 Approaches to Higher Rates Since May 1, 2013, the 3.000% Fannie Mae mortgage-backed security, the prim

Crumble Mumble - CJs Toffee Talk
cjstoffeetalk.com

Shop the best toffee company website and buy handmade toffee gifts online. Toffee Talk offers red walnut, peanut, pecan, and almond toffee.

How to Counter the Recent Rate Rise
activerain.com

Countering the Recent Rate Rise There's no escaping it. It's all over the news now too. Rates are up over the last month and some of our cli

Bruins Honor Bombing Victim
bleacherreport.com

Boston Bruins fan and Boston Marathon bombing victim Jeff Bauman came out onto the ice on a red carpet before Saturday's Game 2 playoff clas

Why Buyers Should Be Try'ers
activerain.com

Why Buyers Should Be Try'ers Believe me, we see it on the mortgage side --- there's an increasing number of frustrated buyers out there. Tak

Trulia for Agents
market.android.com

Trulia for Agents is the best way to take your business with you while you're on the go. Respond to leads instantly, build your online reput

401 Headlands Avenue, Mill Valley, California
activerain.com

  401 Headlands Avenue, Mill Valley, California  This one-of-a-kind Mill Valley Craftsman has breathtaking views.  Enjoy the Marin lifestyle

Looking Forward and Back with RPM's Chief Strategy Officer
activerain.com

Looking Forward and Back wth RPM's Chief Strategy Officer   This short video below features RPM's Chief Strategy Officer, Barry Habi

Novato, CA Real Estate Market Conditions Update ~ February 2012
activerain.com

As of March 8, 2012 a whopping 58% of available listings in Novato are in escrow. For the month of February 2012 42 homes sold in Novato (26

76 Crescent Avenue, Sausalito, California (Price Reduction)
activerain.com

  76 Crescent Avenue, Sausalito, California  PRICE-REDUCED $145K! Gorgeous SF Bay & Alcatraz views. Flowing floorplan great for entertai

77 Woodside Lane, Mill Valley, California (Price Reduction)
activerain.com

  77 Woodside Lane, Mill Valley, California (Price Reduction) Quintessential Mill Valley MidCentury contemporary features 4BR, 3BA, family r

293 Butterfield Road, San Anselmo, California (Price Reduced)
activerain.com

  293 Butterfield Road, San Anselmo, California      A great family home in San Anselmo! Gorgeous kitchen w/ stainless appliances & gran

How to Buy Foreclosures and Short Sales
activerain.com

How to Buy Foreclosures and Short Sales    The short video below covers what you need to know if you're thinking about buying a property tha

97 Granada Drive, Corte Madera, California
activerain.com

97 Granada Drive, Corte Madera, California     Centrally located 4 bed, 3-bath Cape Cod home with flat yard, views and Tiburon schools! The

12 East Terrace, Tiburon, California (Price Reduced)
activerain.com

12 East Terrace, Tiburon, California    Don't miss this spacious, light-filled & beautifully updated Mid-Century Modern! Features am

Marin Mortgage Credit Certificate
activerain.com

Marin Mortgage Credit Certificate     In the short video below I explain the Marin Mortgage Credit Certificate, which is a program aimed at

FHA to Increase Mortgage Insurance Premiums
activerain.com

FHA to Increase Mortgage Insurance PremiumsYes, we've all seen this movie before. But I didn't want anyone to get away with having too much

These ladies do a great job! I recently started sending out Toffee Talk as a gift to my home financing clients and already the feedback has been tremendous. Plus, Ellin has made the whole order process so easy. If you are in a business where a fun and high-quality gift helps cement your relationships with clients, this is the perfect solution.
Public - 3 years ago
reviewed 3 years ago
1 review
Map
Map
Map