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Mortgage and Lending - D A Griffin Financial.LLC - NMLS 6380
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TRID WAITING PERIOD TRID WAITING PERIOD - how is that working for us? It has been over six months since the new TRID guidelines surfaced. Lenders, title companies, brokers, buyers, sellers, real estate agents are all getting used to the difference between the good old days when we had a one or tw...
05/23/2016
THOUGHTS ABOUT A SELLER'S MARKET Talk to any real estate agent, loan office or a home buyer in our Northern Kentucky market and you'll hear the same phrase "there is no inventory". As experts we also know when there is no inventory the market turns to a "seller's market". Since there is so little...
05/11/2016
ASK YOUR AGENT ABOUT A REAL ESTATE PROCESSING FEE before you engage the agent to act as your representative in a sale. From time to time I run into a real estate agent who asks for the buyer to pay a real estate processing fee at closing. This creates a couple of problems. One problem is that I f...
05/09/2016
WHAT PAPERWORK DO I NEED TO KEEP AFTER MY HOME CLOSING  What paperwork do I need to keep? I had an email yesterday from a long time repeat customer who asked this question. Over the last decade or more I have helped them with a purchase, a refinance and another purchase. Like a lot of folks when ...
10/09/2015
WHAT COMES FIRST, THE CAR OR A HOUSE?                            I, like a lot of loan originators and real estate agents, see this question asked and answered often too late to change the outcome. It can happen to anyone in the home buying market, a new buyer or a move up buyer.  What comes firs...
08/27/2015
Buying a Flipped Property, Be Prepared  In the first few days of May a prequalified buyer, firmly grounded in what he was looking for and what works for him wrote a contract to purchase a home. Since he is working with a seasoned mortgage broker and a seasoned real estate agent we discussed what ...
06/29/2015
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TRID DELAY? After many months of saying the implementation of TRID - the cfpb's Know Before You Owe rule, would NOT be delayed, the cfpb is issuing a proposal to delay implementation until October 01, 2015. Here is the statement that was issued by Richard Cordray late yesterday.  "We made this de...
06/18/2015
DOES YOUR STATE HAVE A SALES TAX HOLIDAY?Some states have a sales tax  holiday. As near as I can discern Kentucky is not one of them. From my research it appears at least a dozen states have a sales tax holiday, including our neighboring state of Ohio.The sales tax holiday is a weekend where purc...
06/12/2015
TRID - WHAT'S IT ALL ABOUT? TRID that seems to be the buzz word or acronym these days. Each day I see another source offering training, some free, some not. Each day we see professional groups asking for a delay or at least a delay in enforcement.TRID is like every other change that has been impl...
06/11/2015
IS VOICE MAIL ON THE WAY OUT?I just saw a post that says voice mail is old news! Corporations are phasing voice mail out and some are giving employees a choice to opt out of voice mail.I know the world constantly changes and I communicate with my clients via email, text and facebook, but really i...
06/10/2015
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Dora Griffin

NMLS 6380
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