Real Estate News from Popular Kentucky Cities

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Real Estate News from Popular Kentucky Counties

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
SAVE UP TO $525.00 APPRAISAL FEE ON SELECT PROGRAMS For a limited time (must close by June 30, 2019) you can save up to $525.00 on the appraisal fee for a HOME READY OR HOME POSSIBLE mortgage loan for home purchase in Kentucky and Ohio. Cash to close is often a concern. Home Ready and Home Possib...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
SAVE UP TO $525.00 APPRAISAL FEE ON SELECT PROGRAMS For a limited time (must close by June 30, 2019) you can save up to $525.00 on the appraisal fee for a HOME READY OR HOME POSSIBLE mortgage loan for home purchase in Kentucky and Ohio. Cash to close is often a concern. Home Ready and Home Possib...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
BUYING A HOME BEFORE SELLING YOUR HOME Buying a home is always something one has to take a minute and decide how to approach, but buying a home when you already own a home can present a different dilemma. Nearly everyone needs clarification about whether they need to sell first or not.  In some c...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
Using a Power of Attorney to Buy or Sell a Home When a home buyer or seller is using a power of attorney in Kentucky to buy or sell a home it is important to know what you need exactly to avoid any delays in closing. The title company handling a sale will need the original copy power of attorney....

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
Locking In A Custom Interest Rate As a mortgage broker I am always looking for ways to offer better product selection, loan processing, closing and rate options, etc. When to lock an interest rate is always a topic we discuss as part of the home mortgage process. Typically rates are quoted in 1/8...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
APRIL HOME BUYING CLASS 

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
Buying a Home - Can I borrow extra funds for repairs? Often someone in the home buying market asks if they can borrow extra funds to repair or upgrade the home. In general the answer is NO. Lenders lend on properties at a maximum loan amount based on the LESSER of the appraised value or sale pric...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
BUYING A HOME - CASH IS NOT KING  Okay, if you are paying actual CASH for a property, yes, maybe, cash can be king. However, if you are buying a home using a mortgage loan cash is NOT king.  I'm talking about literal cash here, the kind you just have laying around the house. Part of the home mort...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
MARCH 2019 HOME BUYING CLASS - KY and OH It's that time again! The March 2019 home buying class is set for Thursday March 21, 2019.  If you are in the market to buy a home in Kentucky or Ohio then you need the information I'll give you at this class. Take an hour and half of your evening to learn...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
BUYING A HOME, CREDIT DISPUTES CAN BE PROBLEMATIC If one is interested in buying a home I always talk to them about credit. I do this before I pull credit because I want them to have the highest score possible. Having the highest score possible may not be necessary when buying a home but it could...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
SPRING FORWARD MARCH 10 IN 2019 THIS SUNDAY MARCH 10 is the beginning of DAYLIGHT SAVING TIME. Not all states move clocks back and forth but Kentucky and Ohio do, the markets I work in. Daylight saving time starts the second Sunday in March and ends the first Sunday in November for those locales ...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
SPRING FORWARD MARCH 10, 2019 THIS SUNDAY MARCH 10 is the beginning of DAYLIGHT SAVING TIME. Not all states move clocks back and forth but Kentucky and Ohio do, the markets I work in. Daylight saving time starts the second Sunday in March and ends the first Sunday in November for those locales wh...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
STUDENT LOAN DEBT AND BUYING A HOME Compared to past generations Millennials are the most college educated. Many grew up with an understanding they would go to college and a belief going to college would enhance earnings. What many did not realize is the burden that student loan debt would exact ...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
BEFORE YOU ROCKET YOUR HOME MORTGAGE Digital mortgages is all the craze. Many if not most lenders are now on board to get documents esigned,  home buyers and those who want to refinance can apply online. Frankly a good portion of the home mortgages I close I don't see the borrowers until closing....

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
Some Tips About Credit Before You Apply For A Mortgage LoanHere are some tips about credit that can and should be considered before applying for a home mortgage. I talk to a good many folks who want to buy a home who have either have applied for a home loan and ran into an obstacle, or they just ...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 4
APPRAISALS ARE GETTING EASIER Anyone who has been in the business for a while will recall how property appraisals were transformed after the housing collapse. Appraisals used to be much less expensive and service was much faster because a lender depended upon their sources for the reports and the...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 2
Get Ready If You Want To Buy A Home In The Spring Spring will be upon us soon. If you are looking to buy a home in Northern Kentucky or Cincinnati then you need to get your ducks in a row NOW. I have several home buyers who are working toward home ownership in the future. Some need a couple of mo...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
Why Real Estate Taxes May Go Up After ClosingWhy would real estate taxes go up after closing? When closing on a home purchase there are a couple of things to consider about the real estate taxes. One thing to consider is that normally when qualifying a buyer for a home purchase and in setting up ...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 2
How Much Do I Need For A Down Payment On A Home? How much money do I need for a down payment? I will count myself as rather surprised at how many home buyers think they need to save 20% for a down payment these days. Depending upon the loan program you could need no money for a down payment (such...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
Prepare To Buy A Home With A Home Buying Class Be in the know when you are buying a home by taking a home buying class. I talk to folks every day who are surprised at what they don't know about buying a home. When buying a home your goal is finding the home but also being knowledgeable about the ...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
How Important Are Real Estate Taxes In Buying A Home? Lenders use PITI (principal, interest, taxes and insurance) along with other debt to determine how much someone qualifies to buy. It is easy enough to calculate the principal and interest payment on any one of the online tools available. My we...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 2
 I'm Self Employed, Can I Buy A Home? I had a call today from a self employed home buyer with questions about buying a home. He had called his banking partner and was told he needed two years of self employed income to qualify for a home loan and he should call a mortgage broker. And they are rig...

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