Christin Griffin's Blog

Real Estate Agent - Realty ONE Group
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  Why Work with a Realtor® • Getting a Short Sale approved by the lender is a complicated, multi-step process. Thisrequires a high level of patience, persistence and most importantly, experience. The Lenderrealizes that it is in their best interest as well as the borrowers to have the Short Sale...
Yes, however you must prove you have a hardship. The required financial documentation must be submitted along with a detailed hardship letter explaining the inability to continue to maintain your loan payments and reason behind the Short Sale request. If you have questions about your options, co...
Deeding your property to someone without paying off the loan is nearly always a bad idea. Thelender still considers you primarily responsible for payment on the loan. If loan payments do not getpaid, or if the lender ultimately forecloses, this will still show on YOUR credit. Do not deed yourprop...
          Financing after BK, Short Sale & Foreclosure Standard FHA Financing – 3.5% Down Payment 2yrs after Ch. 7 Bankruptcy (must have re-established credit after BK) Financing available for borrower in the middle of a Ch. 13 BK (must have court approval and most recent 12 months payments must...
I was out with buyers this week, client loved this house & to put in an offer to purchase I called the listing agent to confirm this Las Vegas Property was still available & he said, On the market 4 days 31 OFFERS!   The market is shifting This is happening in the Las Vegas area market ALOT! SMA...
The definition of a first time home buyer for lending purposes is as follows: Person who has not had ownership interest in principal residence within the last 3 years Therefore, you technically can be a FIRST TIME HOME BUYER.......AGAIN! And there are programs to support with down payment assist...
  The big key here is to avoid foreclosure. Short Sales will affect your credit rating, especially if you miss your mortgage payments during the process. But, by nearly any measure, a foreclosure is the most damaging event your credit status can encounter – worse than bankruptcy. Consult your tax...
Today I took a class from Pablo Wong, the head of a title company. His mother was Guatemalan & his father was Japanese.  He grew up in Guatemala with a mixed culture family.  I had an opportunity to learn from Mr Wong about working with the two fastest growing groups, the Hispanic & Asian home b...
  First Time Home Buyer Tips       • Pre-qualify for a loan   Being pre-qualified for a loan determines how much house you can afford. It also allows you to move more swiftly when you find the right house, especially when you aren't the only interested buyer.       • Shop for mortgage rates and t...
  Yesterday I was in a class taught by Dave Jenks, educator & co-author of Millionaire Real Estate Agent. Dave primarily spoke about The Shift book he also co wrote with Gary Keller of Keller Williams Realty.  I wanted to share a few key points that he spoke about: "SMART MONEY" is who is buying...

Christin Griffin

CDPE, Short Sale Queen
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