Gina Rainey, Senior Loan Officer NMLS# 291780

Gina Rainey, Senior Loan Officer NMLS# 291780 Vice President of Mortgage Lending, Guaranteed Rate Affinity NMLS # 291780. Guaranteed Rate Affinity NMLS # 1598647.

09/03/2026

NEW LISTING IN MILL VALLEY

Welcome to 120 Ricardo, a beautifully remodeled 5-bedroom, 3.5-bath home in the sought-after Strawberry Manor neighborhood.

From the brand-new kitchen and light-filled living spaces to the nearly 800-square-foot primary suite, flexible guest quarters and Provence-inspired backyard, this home offers something truly special.

If this Mill Valley beauty feels like the one, let’s make sure your financing is ready to compete. We can help you explore jumbo loan options, get fully pre-approved and build a financing strategy that fits your goals.

💲4,500,000
📍120 Ricardo Rd, Mill Valley, CA 94941
5 Bedrooms | 3.5 Bathrooms | Detached 2-Car Garage
Listed by Eric Schmitt | DRE #02011743 |Coldwell Banker Realty

Reach out to discuss your home loan options
➜Gina Rainey, VP of Mortgage Lending
➜Danielle Mathews, Business Development
📞 (415) 660-0801
📩[email protected]
📩[email protected]
🌎Licensed in CA | Marin County Expert

09/03/2026

Many buyers assume that spring is the best time to enter the market, but don’t forget about fall. In reality, it’s less about finding a perfect season and more about finding what works for you. To help you consider your options, I’m happy to help you time your purchase.

Let’s start early to prepare for whatever your homebuying journey has in store.
https://myoc.io/gDL8ck3G2ys/VEfU0



NMLS # 291780

09/01/2026

Here’s to everyone who works behind the scenes to make a home purchase happen. Together, we help you go from house hunting to move-in. Ready to get in the game?

Let’s talk about any questions you may have about the homebuying process.
https://myoc.io/gDL8ck3G2ys



NMLS # 291780

08/31/2026

So, did you crack it before the answer dropped? Property taxes love to keep you guessing. Every time your area reassesses, the number can move, which is why your monthly total sometimes shifts even when nothing about your loan has changed. Figuring out what is really behind those numbers is the fun part.

Drop your guess in the comments and let me know if you got it. Then reach out whenever you want to break it all down together.
https://myoc.io/gDL8ck3G2ys/I3mDL



NMLS # 291780

08/27/2026

You don’t need a W-2 to get a mortgage. Asset utilization lets qualified borrowers use liquid assets instead of traditional employment documentation.
That means savings, investment accounts, stocks, crypto, retirement accounts and bonds give you access to loans up to $5M, without liquidating your portfolio.

If you’re a retiree, investor or anyone who’s built wealth outside of a W-2, this is for you.
https://myoc.io/gDL8ck3G2ys/NV8bp



NMLS # 291780

Closed in Tiburon! Congratulations to our buyers on their stunning new home, a true Marin sanctuary with sweeping views ...
08/27/2026

Closed in Tiburon!

Congratulations to our buyers on their stunning new home, a true Marin sanctuary with sweeping views from Belvedere Lagoon to Richardson Bay, soaring ceilings, resort-style outdoor living, and a beautiful saline pool.

A special thank you to our incredible real estate partner for guiding our clients through this purchase and trusting us with the financing.

It takes a great team to ensure a smooth process from start to finish, and we’re always proud to support our agent partners and buyers every step of the way.

Closed in El Cerrito! Congratulations to our buyer.We’re so excited as she begins her next chapter in this charming, lig...
08/26/2026

Closed in El Cerrito! Congratulations to our buyer.
We’re so excited as she begins her next chapter in this charming, light-filled home, complete with refinished hardwood floors, thoughtful updates, and a beautiful backyard shaded by a majestic magnolia tree.

08/26/2026

There are several details that can affect your mortgage approval, and some may not be as obvious as you’d expect. It goes beyond your income and down payment. Your lender considers your full financial picture.
Knowing what can impact your approval ahead of time can help you make informed decisions, avoid unexpected issues, and feel more prepared when it’s time to move forward.

Thinking about buying a home? Let’s get you prepared before you start shopping.

➜Gina Rainey, VP of Mortgage Lending
➜Danielle Mathews, Business Development
📞 (415) 660-0801
📩[email protected]
📩[email protected]
🌎Licensed in CA | Marin County Expert

08/26/2026

Your mortgage was built around your life at closing. But life keeps moving, and sometimes it's worth checking whether your mortgage has kept up. Refinancing is one option, though it's not the only one, which is exactly why a quick conversation makes it clearer. No pressure, just clarity when you want it.

Save this for when your situation shifts, and reach out anytime you're ready to talk.
https://myoc.io/gDL8ck3G2ys/hnEhm



NMLS # 291780

08/24/2026

You've put in the years and built real equity in your home. So what can you actually do with it? A HELOC is one option that may let eligible homeowners tap into a portion of that equity, up to an approved limit, for the goals that matter to them.

If you've been curious how your equity fits your bigger plans, it's worth a conversation.
https://myoc.io/gDL8ck3G2ys/9ByEu



NMLS # 291780

Address

San Francisco, CA
94105

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