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

Ringing and Singing Challenge with Rob Spinosa - Mortgage Industry     Thanks to Debbie Reynolds , this month, January 2015, members of AR have been Challenged to go RINGING and SINGING! In the description, Debbie asks that we "tell why you decided to call this person and something you learned ..." To start with WHY - I remembered seeing Rob Spinosa, Marin Mortgage, in a peppy video once and thinking that it would be hard for me to replicate his seeming comfort. If you go and read Rob's 'Members Only' post from January 8th, he explains his strategy for developing new talents. Now something I learned? Well, I learned that Rob Spinosa is a man who started out young in a loving family and decided, at the tender age of 17, to move from one side of the USA to the other. That's how he arrived... 01/10/2015

I'm NOT Giving to a Charity This Christmas   Life can have a funny way of sending us signals, can it not?  This past weekend, as I was coming off the final descent of Diamond Head, at mile 25 of the Honolulu Marathon, the unrelenting rain that had plagued the entire race --- the one that began nearly three hours before at 5am --- gave way to the ephemeral rainbows for which Hawaii is deservedly famous.  It seemed fitting that my wife and I could, at last, enjoy a few days with our little boy after all the hard work put in over the last twelve months.  So I was not expecting the skies to open and welcome me home to the finish, but hey, if you want a signal, there it is!     I guess then it was fitting that just a few hours later, as I was casually browsing my Facebook wall, I came across... 12/18/2014

998 Edgewood Ave., Mill Valley, CA, 94941 w/ REX 12.5% Down Payment Option   Using RPM Mortgage and REX Homebuyer, this home can be financed today as:   Purchase Price:  $1,949,000 REX Down Payment:  $243,625 Your Down Payment:  $243,625 Monthly P&I Payment:  $6362     Here are the terms for the scenario above:   Loan Amount:  $1,461,750 Loan Program:  7/1 ARM* Interest Rate / APR:  3.250% / 3.145%   How can we help?   Property Info:  Sherrie Faber, 415-339-9200, sherrie@firstcaliforniarealty.com Mortgage Pre-Approval:  Rob Spinosa, 415-367-5959, rspinosa@rpm-mtg.com   *Rates will only apply for the initial period.  The initial period for this program above is seven years.  The payment on a 7/1 ARM adjusts after 7 years and annually thereafter.  At adjustment, the rate will be the avera... 07/30/2014

SWEET 2BD/1BA HOMESTEAD VALLEY COTTAGE WALK TO TOWN LOCATION RENTED FOR $3850 IN 5 DAYS! 05/18/2014

MILL VALLEY SINGLE FAMILY HOME WITH PANORAMIC VIEWS, 4BD/3BA, RENTED BY FOUNDATION HOMES $7750 05/18/2014

Updated Country Club Tree House With Tam Views Rented $4850 05/18/2014

Beautiful Tahoe-style Mtn house in the redwoods high on Mt Tam with newly remodeled kitchen. LEASED! February 2014 at $3600/month. 04/03/2014

LEASED in 2 days! Great updated 2bd/1.5ba Townhouse on Shelter Ridge for $3000.00 04/03/2014

It started Thursday evening, a fine drizzle mixed with lots of the famous San Francisco fog. Friday morning was gray, with billowing clouds in the sky and a few sprinkles. By noon real rain was falling, at first gently, and then with more vigor. It had that "I'm here and I'm going to stay a while" appearance. Shortly after noon I closed up my computer, signed out for the afternoon, and went out with my husband to play in the rain--in a redwood forest on Mt. Tamalpais in Marin County, home of the world-famous Muir Woods. Our hike today didn't take in Muir Woods; we chose to park along the Panoramic Highway near Mt. Home Inn, and hike over to West Point Inn, an historic lodge run by the West Point Inn Association, with the public room kept open to all every day. The next 50 minutes were w... 02/07/2014

REmodeled Mid Century Modern 4bd3.5 ba Strawberry home rents in 10 days for $6200. Gorgeous SF and Bay Views in coveted community! 11/23/2013

Gorgeous Scott Valley 4bd/3ba SFH. Rented for full price in less than 2 weeks!   11/23/2013

RENTED in Tam Valley! Beautifully remodeled 3bd/2.5ba view home with yard. $5000.00 Leased November 2013 by property manager Michael Kass. 11/20/2013

Leased! 1 day on market. 4bd/2.5ba home plus 2bd/1.5ba guest cottage. $6000.00/month. 1 year lease cash in full,by agent Michael Kass at Foundation Rentals. 10/09/2013

RENTED!  A gorgeous 5bd home in Mill Valley's Strawberry neighborhood - leased September 2013 by Broker Barrow of Foundation Rentals.  Thank you to the owners for trusting our team with this property again - and thank you to the tenants for working quickly to get the move-in funds delivered internationally! 10/09/2013

RENTED!  Less than a week on the market, this adorable 2bd/1ba remodeled cottage in Mill Valley's Sycamore Park rented at $3,500 this September 2013.  We're so happy the new tenants get to stay in their desired neighborhood, and the property owners have fantastic new long-term tenants!  Also, thank you to referring realtor Kimberly Strub at Decker bullock Sotheby's - at her request we're making a donation to the Bay Area Brain Injury non-profit as a thank you for thinking of our team! 09/19/2013

  RENTED!  Less than week on the market, a delightful 3bd+ studio in Mill Valley for $4,725.  Leased by Broker Barrow at Foundation Rentals in August 2013. 09/19/2013

OLD MILL COTTAGE RENTED!!!! Summer 2013 for $5,500/month with multiple full price, qualified, offers. 08/24/2013

Cottage style home located in Mill Valley with in-law and lovely garden just leased for $4900!  Multiple offers. 08/24/2013

RENTED!  A cute 3bd home in Mill Valley, leased at $4,000 with multiple offers in just one showing.  Rented July 2013 by Foundation Rentals Broker Christopher Barrow.  Thanks everyone! 07/28/2013