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Rob Spinosa
"RS not BS"
- 25 Helpful Answers
- 189 Answers
- 15 Blog posts
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Experience:
Loan Officer for RPM Mortgage Inc.
August 2009—present
Residential home loan professional.
Residential home loan professional.
Loan Officer for Pacific Guarantee Mortgage
July 1999—December 2001
Residential home loan professional.
... show more
Residential home loan professional.
Specialties:
Residential home financing.
1 to 4 units, condos, PUD's. ... show more
1 to 4 units, condos, PUD's. ... show more
About:
It is my professional responsibility to understand the needs of each client, to educate each client, and to deliver each client the highest service at
... show more
Testimonials:
"Rob,
Thanks immensely. That's a great feeling to have got such a great new mortgage and your guidance and calm was what really helped us to understand ... show more
Thanks immensely. That's a great feeling to have got such a great new mortgage and your guidance and calm was what really helped us to understand ... show more
Rob Spinosa answered:
Hi Kim,
It has been my experience that those who answer this question best are the same ones who answer the question on their own terms. In other words, to try to get closer to the truth, you can ask yourself questions that only you can answer or you can ask yourself questions that nobody can answer. Just be warned, most public consensus will focus you on the second group. Here are some examples of both:
Group 1:
Do we want to own a home?
Can we afford to buy a home?
How long do we see ourselves staying in this area?
What things do we gain/lose, if any, if we buy a home today versus in the future?
Group 2:
Will prices fall further?
Will rates go up?
What about the "shadow inventory?"
What if sea levels rise 20ft/year like Al Gore says?
Seriously, I hope you get my point. I personally think the best time to buy is when YOU are ready to buy. Nobody can predict the markets and that will always be true. Good and bad investments were made in 1986, 1996 and 2006, all very different years economically speaking.
You know more than you think,
Rob Spinosa
rspinosa@rpm-mtg.com
It has been my experience that those who answer this question best are the same ones who answer the question on their own terms. In other words, to try to get closer to the truth, you can ask yourself questions that only you can answer or you can ask yourself questions that nobody can answer. Just be warned, most public consensus will focus you on the second group. Here are some examples of both:
Group 1:
Do we want to own a home?
Can we afford to buy a home?
How long do we see ourselves staying in this area?
What things do we gain/lose, if any, if we buy a home today versus in the future?
Group 2:
Will prices fall further?
Will rates go up?
What about the "shadow inventory?"
What if sea levels rise 20ft/year like Al Gore says?
Seriously, I hope you get my point. I personally think the best time to buy is when YOU are ready to buy. Nobody can predict the markets and that will always be true. Good and bad investments were made in 1986, 1996 and 2006, all very different years economically speaking.
You know more than you think,
Rob Spinosa
rspinosa@rpm-mtg.com
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