Rob Spinosa
SVP of Mortgage Lending
As a loan originator since the early 2000's, I have enjoyed the tremendous responsibility of helping hundreds realize the dream of home ownership. Though I very much appreciate and understand the technical complexities of what it takes to be an expert in home lending, my service standard can be distilled down to these fundamental values: Competency Accountability Responsiveness Efficiency Optimism Financial benefit Over my career I have made an unwavering commitment to put the client first, and this philosophy has helped me achieve top originator rankings on multiple occasions in the publications that track our industry. I live and work in Marin County, just north of San Francisco, where my wife, Michelle, and I are kept busy by our young son, RJ. Before the demands of parenthood and career prevailed, I was especially fortunate to experience an amateur athletic career that included a 2:49 personal best marathon, reaching the peaks of three of the world's Seven Summits and finishing 14 Ironman Triathlons, three of them at the Ironman World Championship in Kona, Hawaii.
Helpful tools and resources
The Best Mortgage Experience
First-time homebuyer’s guide
Mortgage calculators
Loan options
See my video
Recent reviews
What people are saying
"Great service, very professional approach to a stressful situation."
David E. - San Francisco CA | Jun 2022
"Very good support and service, always available to help you and support you"
Adelaide B. - Novato CA | Apr 2022
"Easy to work with, helpful and friendly"
Nicholas P. - Fairfax CA | Apr 2022
"Reliable service, deep platform, great service and reasonable priced leading and customers friendly communication and secure document exchange."
Kelly L. - Lagunitas-Forest Knoll CA | Mar 2022
"Closing took a little longer than expected"
Carlos V. - West Sacramento CA | Mar 2022
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Areas served
- San Rafael, San Francisco, Fairfax, Greenbrae, San Anselmo, Mill Valley, Sausalito, Larkspur, Corte Madera, Tiburon, Ross, Berkeley, Oakland, Walnut Creek, Concord, Orinda, Moraga, Lafayette, El Cerrito, Los Angeles, San Diego, San Francisco, Daly city, Burlingame, San Jose, Millbrae, Santa Clara, Richmond, Albany, Milpitas, Livermore, Dublin, San Ramon, Danville, Alamo, Napa, Sonoma, Petaluma, Sebastopol, Fresno, Stockton, Portland, Waikiki, Maui, Oahu, Kauai, bosie, Meridian, Nampa, Idaho falls, caldwell, San Leandro, Hayward, Fremont
Services offered
- Home Purchase, Conventional, Conforming, Refinancing, Refinance, Jumbo Loans, VA Loans, Freddie Mac, Fannie Mae, Ginnie Mae, FHA, First Time Home buyer, Down Payment Assistant programs, HUD, Arms, Adjustable-Rate Mortgage, Fixed
Loading Rates...
Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first-time home buyers.
We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.
Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.