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Christian Griffin NMLS# 976102

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United States
San Diego, CA
Christian Griffin NMLS# 976102

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Chistian Griffin represents a full service mortgage loan company with experienced staff offering expertise in every area of the home lending experience.

Cornerstone Mortgage Group is a full-service mortgage bank headquartered in San Diego, California. Functioning as both the mortgage banker and broker, all aspects of the loan process (underwriting, funding and processing) are offered in-house. At Cornerstone Mortgage Group, we are dedicated to delivering high-quality customer service and offer an extensive range of home loan programs with competitive rates to deliver a solution that best fits the need of each client.

10/21/2026

🚨 A draft executive order could lower housing costs:

🏠 Refinances: fewer LLPAs, expanded appraisal and title insurance waivers, no income re-verification on rate-and-term refis

💰 All homeowners: automatic mortgage insurance cancellation and lower VA/USDA rates

It’s a draft, not law yet.

Want to know what this could mean for YOUR loan? DM me or tap the link in bio.

Christian Griffin | Sr. Loan Officer | NMLS 976102
Big Debt Home Loans | NMLS 1938081

10/20/2026

Someone tried to scam me this week. 🚩

They asked for a virtual meeting and offered to “send the link.” Fake meeting links are one of the newest ways fraudsters get into your computer, and from there they go after your email, your accounts, and your closing funds.

A few habits that protect you:

✅ Don’t click links or attachments you weren’t expecting
✅ Confirm wiring instructions by calling a number you already have, never the one in the email
✅ Be skeptical of urgency, because scammers want you rushing

Buying a home is one of the biggest transactions of your life. Slow down, verify, then act.

Questions about a request you received? DM me and I’ll help you sort it out.

📞 (858) 220-6424
🌐 lenderchristian.com
Christian Griffin | NMLS 976102 | Big Debt Home Loans NMLS 1938081

10/16/2026

22% of sellers just cut their price 🚨 That’s a record.

Buyers have leverage again: price drops, seller credits, closing cost help, even seller-paid rate buydowns.

But cancellations are at a 2020-level high. Win this market by showing up fully approved, not just pre-qualified.

DM me “READY” and let’s get you set up 📲

10/14/2026

First-time homebuyer? You could qualify for a lower rate than repeat buyers and higher earners. 🏡
If your household income is at or below 120% of your area’s median income, Fannie Mae and Freddie Mac waive the pricing fees that normally push rates up. Your credit score and down payment don’t raise your rate the way they usually would.
Income limits include:
📍 San Francisco: $174,700
📍 Los Angeles & Orange County: $138,120
📍 San Diego: $157,080
That’s more income than most people expect, and it can mean real savings every month. Most buyers don’t even know this exists. 👀
DM me “FIRST HOME” and I’ll check whether you qualify in about 5 minutes.
Christian Griffin | Sr. Loan Officer | NMLS 976102 | Big Debt Home Loans NMLS 1938081 | Equal Housing Opportunity. First-time buyer = no ownership in the past 3 years. Limits vary by county and change yearly. Conventional loans only, subject to eligibility and approval.

10/13/2026

☀️ Solar panels: cute on the roof, sneaky in escrow. ☀️

Before you panic about a solar subordination, ask one simple question:
Is the lien on the house… or just the panels? 🏠 vs. 🔆

If it’s only on the fixtures (the equipment itself), you may not need a subordination or temporary lien release at all. 🙌

That’s weeks of waiting, extra fees, and back-and-forth with the solar company you could skip entirely, just by reading the fine print. 📄🔍

Realtors, loan officers, buyers & sellers: save this one for your next solar deal! 📌

Questions about solar on your home? DM me or tap the link in bio. 💬

Christian Griffin | Sr. Loan Officer | NMLS 976102
Big Debt Home Loans | NMLS 1938081

10/11/2026

Two ways to buy a home. Only one of them is easy. 🏡
Swipe to see which side you’re on 👉

✅ Choose the loan that fits your plan, not just the lowest advertised rate
✅ Let an experienced lender carry the load
✅ Get pre-approved before you fall in love with a house
✅ Start with a personal document checklist
✅ Upload everything in one go
✅ Make offers backed by a full approval

As a broker, I shop 200+ lenders to find the right fit for you.

Ready to buy the smart way? DM me “READY” or tap the link in bio.

Christian Griffin | Sr. Loan Officer
Big Debt Home Loans | NMLS 976102 | Co. NMLS 1938081
📞 (858) 220-6424

10/09/2026

The headlines are everywhere: mortgage rates just hit their highest level in over a year.

Here’s the irony: most borrowers take the first rate they’re offered because they don’t know who to call to compare.

As a mortgage broker, I shop 200+ lenders to find a competitive rate. One call, many options.

🏡 Buyers: DM me for your options and a 2-minute quote.
🤝 Realtors: Have a client who’s rate-sensitive? Have them reach out, or DM me their contact info and I’ll take great care of them.

Christian Griffin | Sr. Loan Officer | NMLS 976102
Big Debt Home Loans | NMLS 1938081 | Equal Housing Opportunity

10/08/2026

Buying in today’s market? Here are 2 things I’d do if I were in your shoes:

1️⃣ Get an iron-clad pre-approval. Not a quick prequal, but a fully underwritten approval. It tells the seller you’re serious and can put you in a position to shorten your contingencies, or even waive some, which makes your offer stand out. (Every situation is different, so talk with your agent about which contingencies make sense to adjust for you.)

2️⃣ Make an aggressive (but respectful) offer. There’s room to negotiate right now. Come in strong on price without insulting the seller, so the conversation stays open.

I’ve spent 13+ years helping buyers win the right home on the right terms. If this was helpful, follow for more real-world tips on buying and financing a home. 🏡

📩 DM me or comment “PREAPPROVAL” to get started.

Big Debt Home Loans | NMLS 1938081 | Personal NMLS 976102 | Equal Housing Opportunity

10/07/2026

The 3 questions I get asked every single week 👇

1️⃣ Is it a good time to buy?
2️⃣ What are your rates?
3️⃣ Can you match a competitor?

My honest answers are in the video. Spoiler: the best time to buy depends on your plan, not the headlines. 🏡

Thinking about buying or refinancing? DM me or tap the link in my bio. Five minutes gets you a real number, not a guess.

Big Debt Home Loans | NMLS 976102 | Company NMLS 1938081
Equal Housing Opportunity

10/05/2026

Beach life under $450k? It still exists 🏠🌊

This updated 2bd/1.5ba condo sits in a boutique 7-unit community minutes from Mission Bay. It was just reduced to $425k. The HOA covers water, trash, and exterior maintenance and there’s even storage room for your surfboards.

Why does 7 units matter? Conventional financing does not need to approve the HOA which is HUGE!

Comment PAYMENT and I’ll DM you rate options and full property details.

Listed by Rebecca Roman Stevens | Redfin | DRE 01891586

Christian Griffin | NMLS 976102 | Big Debt Home Loans NMLS 1938081 | Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval and property eligibility.

Address

514 Via De La Valle Ste 202
San Diego, CA
92024

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm

Telephone

+18582206424

Website

facebook.com

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