Rob Spinosa at US Bank (NMLS #22343)

I had the pleasure of working with Rob as a first-time buyer and couldn't recommend working with him more! He and his team at Guaranteed Rate blew me away with how quick, organized and supportive they were. Rob took the extra time to educate me on each step of the process, showed patience for all of my questions and always felt he had my best interest at heart. His team was very communicative every step of the way and removed obstacles quickly to streamline the process. I would absolutely work with them aga

We had a very time-sensitive refinance need on a rural property that had potential issues, but we had worked with Rob in the past, and he delivered excellent service once again. Not only did we get an excellent rate, but we had a very smooth process. He and his team provided top-notch service and communication. We've told friends and family about his great work and how he and his team work to make things happen. When/if we have a need for a new mortgage, we'll be certain to work with Rob Spinosa and his te

Our experience with Rob was extremely positive. He exceeded our expectations in every way. As first time home buyers, there was a lot to understand and navigate. He educated us on the loan options and solutions available to us. He is honest, objective and clearly explains things in a manner that is easy to understand. In terms of service, Rob is prompt and very responsive. Any time we had questions, he was quick and thorough in answering them over email or with a phone call. Time after time, he wen

Rob is the ultimate professional and it has been a pleasure to work with him on several occasions - from a home purchase financing several years ago to a recent refinance. We couldn't have asked for a better experience from him and his team. From finding the best rates, to excellent communication and always being available to answer questions and guide us seamlessly through the process. We have been repeat clients for a reason and would not hesitate to call on Rob again should the need arise!

All the glowing reviews are well deserved and definitely accurate. Rob was one of over 20+ lenders (no exaggeration) that I called when rates hit an all-time low. He not only managed to beat everyone else's rates and closing costs by a significant margin, but he and his team were a pleasure to work with. They were true professionals, their response time for every question was lightening fast, and above all, they were honest. We wholeheartedly recommend Rob and his team, and have already told our friends

My husband and I were in search of a specific loan product for quite some time. We contacted multiple lenders and didn't get the results we wanted. We were ready to throw in the towel ? until Rob stepped in! I reached out to Rob on a Saturday night. He responded immediately (how many would actually do that!) and by Monday morning, he found us a great lender and we were on our way to closing in less than 30 days. Rob is the consummate professional and is truly a master at his craft. He's knowledgeable

I literally could not have expected more from Rob and his team. Rob Spinosa does a superb job of educating you through every step of the process and ensuring you are comfortable with the progression along the way. His accessibility is phenomenal and his ability to break down each detail into a comprehensible format is very appreciative. His team is super-efficient and dedicated to getting the job done timely (thanks Katie and Jamie). Overall we felt as though we were a family member with the level of ow

Rob and his team were incredible! Smoothest transaction from start to finish. They handled everything including all of our incessant first time home buyer questions. Extremely professional, communicative and great attention to detail. We couldn't have asked for a better lender to handle all of our mortgage needs in a highly competitive and demanding market. We highly recommend him and have already referred several of our friends and family who have all had nothing but wonderful things to say. If you're look

Rob and his team are exceptional. From our first interaction with Rob until our loan was funded, his communication was clear, direct, and remarkably responsive. Our questions were rapidly answered, usually within minutes, and in the very unusual circumstance when someone dropped the ball, Rob was able to resolve the issue, again within a very short period of time. Most importantly, I felt that Guaranteed Rate had our best interests in mind and made me feel as though my business was their top priority. I

I can't describe how excited I am to get my first home loan approved! I have shopped a few before I decided to work with RPM. they have the best rate, and always the immediate response. My situation was a bit difficult as I only have one year employment and tax record. But Rob and every one of his team worked closely together with me to get this job done within 2 weeks! I believe Rob's team have done a tremendous job to make the whole process seemed effortless to me. I will definitely recommend RPM for my f

We bought in SF a few years back and closed quickly thanks to Rob and his team. I can't imagine anyone doing a better job. Knowledgeable, reachable, and motivated to get the best deal for us. Definitely on top of things. We feel fortunate to have found him to work with. Rob has continued to reach out on occasion (and unobtrusively) with legitimate items of interest - good follow-through! Thank you, Rob!

Rob and his team were exceptional and an absolute pleasure to work with. I cannot recommend them enough! They are knowledgeable; responsive at any time of day and any day of the week; willing to answer any questions one may have (and more than once!); willing to go above and beyond to get one the most advantageous mortgage available. They are professional, well regarded and well connected with quality partners and they have an intimate and extensive understanding of all things property - the kind that only

My husband and I recently relocated to the Bay Area from the East coast, and Rob could not have been more helpful in guiding us through the home-buying process here. He was available at any time to answer our questions, happily jumping on phone calls if we needed more details about the real estate and lending procedures here in Northern California, which is very different than anywhere else we've lived. In addition to making us feel at ease and confident in our decisions by providing expert insight, Rob an

Where do I start? My husband and I after waiting for YEARS to purchase a home were finally able to make our dream a reality last August. We had spoken to Rob and knew that we wanted to work with him. We are self employed and Rob wanted to be sure we had all our ducks in a row when it came to more strict underwriting. He personally reviewed our packet, was proactive in having us prepared for every possible contingency. When we found "THE HOUSE" on a Sunday, I didn't think twice about calling him. Rob acted l

We were first time buyers and foreigners so all the mortgage process was a huge black hole for us. We wanted to purchase a new construction which requires some different processes. That didn't help either! We talked with more than 30 lenders and we finally decided to move forward with Rob for many different reasons (and so happy about it!): - Great communication: we told him we wanted to do everything via email and he actually used that channel (you may think that is stupid, but we didn't manage to do it w

Rob provided his tippy top expertise to ensure that our loan was completed on time and full amount. His daily review of next steps, surmountable hurdles and general temperature gauge on the situation for a big loan was completely over the top! Rob is the best of the best, his team works hard and well for him, and we are most grateful. We will be back!!!

We worked with Rob, twice in 3 ago. Rob helped us through our home purchase process 2yrs ago and this year he helped us secure a great rate with refinancing our loan. He and his team were very professional and responsive during the process. I would highly recommend him for any home loan related services.

When I first emailed Rob about a mortgage, I received a call back within 10 minutes. It was 7:00 pm. This was typical of the subsequent service I received from Rob and his team. I probably worked with 3 or 4 people in his office and experienced the same responsiveness and professionalism. My transaction was a 1031 rental property exchange, so a bit more complicated than a regular mortgage because it involved a chain of sales and purchases. He coordinated very closely with my realtor and the title company s

Rob Spinosa and his team at Guaranteed Rate got the job done quickly and efficiently. He was always available to answer questions and explain the loan process. When we reached a sticky point during the underwriting process, Rob made several calls on my behalf and kept the deal together. I have no doubt that he is one of the main reasons I own a house today.

Rob and his team are great to work with. I have financed and refinanced homes a few times and this was by far the best experience with the entire process. Rob and team were super responsive and supportive throughout.

I've refinanced a few times and made an original purchase through Rob and I can highly recommend him and his staff. He is professional, pro-active, responsive and transparent about fees and how to get the best rates. He's also extremely knowledgeable and willing to go above and beyond what would be expected to make sure you understand your options and are well educated. I have also had good experience with RPM. Their online payment system is easy to use and they do not charge fees for electronic transfe

I've used Rob multiple times throughout the past fifteen years and recommended him to friends and family as well. He's honest, straightforward, and easy to work with. He'll give you his honest opinion and listen to your needs rather than try and sell you on something. In fact, the last time I called him he talked me out of refinancing because it didn't make financial sense, how many other brokers would do that? There's a reason he's been in the business for this long and has so many satisfied clients.

Rob and his team were great from start to finish.

Rob was fantastic in our closing. He took all the time we needed to explain things. And there were plenty of things we didn't understand. He was available to us 24/7 and went the extra mile to smooth out any problems with the close. I would recommend Rob as a mortgage broker!! Thanks Rob you are very professional and that actually help us in getting the house.

Rob was really great. Although we never met in person, he sent a video introduction so we felt like we had! He was very thorough with all of the information he sent to us and we could not have been happier with the results of our re-fi. The best!

Rob helped us purchase our first home this summer and the service we received from Rob and his staff was exceptional. As first-time homebuyers, we needed some serious hand-holding. Rob was patient, great at explaining all the details, and even shared his personal stories when we were getting some cold feet. We really appreciated it! Rob, we will be back for future purchanes/refis.

My husband and I highly recommend Rob Spinosa at Guaranteed Rate. Very prompt to respond, easy to work with, super professional and knows his business well. Thumbs up for Rob Spinosa! Thanks for helping us get our new home. We love it.

Rob is great! Not only does he get great rates but when there's a better rate going direct to a financial institution, he's the one to tell us. He's honest, experienced, reliable and an all around great guy!

Spoke with a handful of lenders and from the start it was clear Rob Spinosa stood out. He is the best out there. Responsive, knowledgeable, informative and very smart yet accessible. He explains the process each step of the way and creates a stress fee experience. 10 stars!

We had a great experience with Rob Spinosa from guaranteed Rate. He was always available for us, he was a great support and gave us great services. We totally recommend Rob and Guarantes rate.

Rob, Jamie, and the rest of his time were a pleasure to work with. They helped make a really stressful process (buying a first home) a lot easier. Thanks so much for you transparency, diligence, and of course, the great rate!

I have worked with Rob and his team twice now, and I couldn't be happier about the experience - Rob is easy to talk to, extremely knowledgeable about the business, works with you to find customized solutions, and communicates well every step of the way.

it was a pleasure to have worked with rob spinosa, the best in his area, he found us the best loan for our house as first buyers, a lot of dedication and passion in his work ,he has the best team, thanks rob spinosa, highly recommended AAA+++

Highly ethical, personable, efficient, and effective. Rob and his team are superb. The communication was polite and informative. Timing was impeccable. We couldn't be more delighted with our experience.

Super available, responsive, and knowledgeable! It was awesome working with the team through every step of the process. Very appreciative for all the hustle and always being there for us as we navigated a challenging / aggressive / fast moving market.

Rob Spinosa and his team at Guaranteed did an outstanding job helping me with a tricky and time constrained home refinance. They are easy to work with. :)

Rob, and everyone on the team were tremendous. Very buttoned up and diligent with their initial review, and super responsive and flexible working through an appraisal issue. Couldn't recommend more strongly.

I worked with Ron and his team for months as I looked for just the right place. He was patient and, when the time came, sprung to action. I could not have been successful with my home purchase without his help.

?I was extremely impressed by Rob Spinosa and his team. They were able to secure the loan with the most favorable terms with an incredibly fast and easy application process.

FIRST CLASS CUSTOMER SERVICE I WILL RECOMMEND ROB TO ANY ONE WHO NEED HELP . THANK YOU ROB FOR WHAT YOU DO FOR OR COMMUNITY.

Rob is a master of the mortgage game. He's smart, fast and absolutely great to work with. He helped us buy our home in Mill Valley and literally at times seemed to move mountains. He's just the best mortgage banker we've ever worked with across many home purchases. Strongest possible recommendation.

Rob is fantastic to work with. Highly recommend!

Excellent, professional, available.