|Mortgage and Lending||
|Mortgage Loan Originator, Marin County|
|location_on Larkspur, CA — US Bank|
|NMLS: 22343||insert_link Rob Spinosa, US Bank|
|web California Mortgage Blog|
Rob Spinosa: Marin Mortgage Professional
Since 1999, I have been a licensed mortgage originator in California. I live, work and own real estate in Marin County, just north of the Golden Gate Bridge, but can originate loans state-wide*. I'm a husband, father, and an active member of the community, currently serving as the president of two homeowner's associations, and as treasurer of the Tamalpa Runners, the largest running club in northern California. A great number of my past clients, neighbors, peers and colleagues have put their trust in me and I take that responsibility very seriously. Ask around and check my references here on the internet --- I have worked hard to come highly recommended and it is my goal to be the best mortgage broker in Marin.
As a mountaineer, I have stood atop some of the highest peaks in the world, and as a competitive triathlete I have completed the prestigious Ironman Triathlon World Championship in Kona, Hawaii, on multiple occasions. I actively support charities that seek to find a cure for Lou Gehrig's disease (ALS), the affliction which claimed my mother in 2010. When it comes to racing a triathlon, fighting the War on ALS, or closing your home loan, I am "in it to the finish."
*Serving the home loan needs of all Californians as well as local residents of Marin County, including; Sausalito, Marin City, Mill Valley, Corte Madera, Tiburon, Belvedere, Larkspur, Greenbrae, Kentfield, Ross, San Anselmo, Fairfax, San Rafael, Novato, Nicasio, San Geronimo, Woodacre and West Marin.
I am a residential mortgage professional in the state of California. I am able to assist those who are looking to purchase or refinance a 1- to 4-unit property to be used as a primary residence, a second or vacation home, or as a rental/investment property. I commit to providing both great rates and stellar service and my efforts extend beyond close of escrow. At every opportunity, I work hard to deliver a level of availability, accountability, responsiveness and results that will exceed expectations, regardless of a client's previous experience with the lending industry.
Complex financing scenarios including; self-employed, international, super-jumbo and credit challenged are well within the scope of what we handle on a regular basis.
Because of price points here in the San Francisco Bay Area, and throughout California, a specialty of mine is 10% down financing at higher loan amounts and purchase prices. If you are under the assumption that you need 20% to purchase a home, get in touch today.
Top 200 Nationwide Originator, 2019
Top 1% Originator, Mortgage Executive Magazine: 2012 - 2017
USA Triathlon All-American: 2008, 2010, 2012
|Jim J., Corte Madera, CA|
|I've know Rob for several years, so when it was time to refinance I knew I could trust him to take good care of us. Rob made the process simple and easy, and did a great job of explaining all of the details. We got a great rate and the fees were even less than promised. If I ever need to refi again it will definitely be with Rob.|
|Sandra S., Ojai, CA|
|We have used Rob for 2 mortgages now & will never use anyone else. He is efficient, quick to respond always answering emails even on weekends or late at night. He is upfront, honest & gets the job done."|
|Arun C., Danville, CA|
|Rob did a super job on refinancing my mortgage, not once at lower market interest rate and again at even lower rate. He treats you as live 'person' with respect and keeps your interest ahead. Try that with a big bank. He will bring his vast experience and market intelligence to your advantage. I will recommend Rob to any one looking for refinancing. I am sure they will not be disappointed.|
|Debbie S., Santa Cruz, CA|
|I am so happy to have the opportunity to tell others about our great experience with Rob Spinosa. We have used him several times to refinance over the last 4 or 5 years, each time obtaining a lower rate. There is no one else I would consider going to, so spoiled are we by his personal attention; his good-natured and experienced ability to work through the typical problems that arise (especially in this new and even more complicated environment;) astonishing availability (I don't think I have ever called too early or too late to have him pick up the phone, even on a weekend;) and focus. Rob has actually obtained a lower rate than originally quoted to us on at least two occasions. He is always monitoring the progress of the loan, from beginning to end, even when questions come from other members of the team he works with. Someone in another department might ask us for documents, and even before I have the chance to write back, Rob will email both of us saying that he has the needed info and there is no need for further work on our parts. He is forthcoming about rates, fees and is generous in his explanations. Previous to working with Rob, we worked with two other loan agents and consulted at least one other: there is no comparison. The others left us feeling exposed and a bit uncertain; with Rob, we feel taken care of.|
|Walter M., Tiburon Belvedere, CA|
|Rob did a fabulous job on refinancing my mortgage. Smart, fast, efficient, and effective. On top of everything and thinks ahead. In the middle of the process, he was able to reduce my rate by another quarter percent. He did that on his own and then informed me. He also was able to maintian my HELOC credit line with another lender without any changes as we went thru the refi. That didn't happen the previus time I refied with a "big bank".|
|Gary D., Tulare, CA|
|Thanks to Rob for your help. Rob treats you very personal. He helps explain your choices and recommends the best way to go for you. He keeps you up to date through out the whole process. Always answers his phone and is there for you. You can trust Rob to help you make the right choices. Home loans can be scary, Rob will help you through it. I highly recommend him.|
|William S., La Habra, CA|
|I'm not exactly sure how it came about, but I had been on Rob's mailing list for several years. So when Margaret & I recently decided to take advantage of those new, 'record-low' interest rates, I figured I'd just click on his link, let him know I was still alive, and see if we could get something started. Good move. Rob came back within hours with a few basic questions, some great advice, and a "let's get moving" attitude. Over the next week or so, he and his (very capable) crew worked with me non-stop, specifying those exact documents and statements they would need to close escrow, and tips on how to get the most for the least. Everything they needed had only to be scanned and emailed back; no snail-mailing of originals- and no drawn-out gaps without hearing from anybody. I greatly appreciated that I was able to accomplish the whole thing sitting in front of my monitor and keyboard! Could not have been easier. It seemed that in no time at all a notary was sitting at our dining-room table with a whole stack of loan docs to be initialed and signed. Two or three days later I was notified that everything was 'Approved!' - and by the close of the following day it was already funded, with a wire transfer showing up at my bank. Unbelievably smooth! Incredibly well-handled! I am convinced there is no way things could have gone more quickly, nor more precisely correct in every detail. RPM Mortgage is the only way to go.|
|Maria W., Novato, CA|
|I really can't recommend Rob Spinosa or RPM Mortgage highly enough. We had a very complicated loan and Rob had some very creative ideas to make it happen. He and his team kept me updated on a daily basis, and were always professional and friendly.|
I provide a mortgage experience that is easy to understand, educational and financially beneficial. I have an understanding, optimism and passion for what I do that I love to share with others.