Your child has cancer.
Is there anything more terrifying than those four words? Christian Griffin, father of three young girls, had to hear those words 12 years ago. His youngest daughter was only six months old when she was diagnosed. It was 2011, and the U.S. economy was still in recovery from the housing market crash. Griffin had recently lost his job after a decade in the food sales industry. His family was living off a single income; he and his wife desperately tried to reorganize their finances to scrape by.
Men are driven by two principal impulses, according to philosopher Niccolo Machiavelli, love or by fear. At first, Griffin didn’t have a ton of love or passion for real estate or mortgage, but he knew what ice cold fear felt like.
“I’m kind of a fear-based individual,” Griffin said. “I’m pushing hard because of the fear of never wanting to go back to that day.”
Today, Griffin is a senior loan officer at San Diego-based Maverick Mortgage. He’s a top originator nationwide, who closed 600 units and half a billion in funded loans between 2021 and 2022 — 90% of which was purchase volume. He made it into the top 1% of producing loan officers in California, and the top 1% of producing loan officers for UWM.
“My business model is a hundred percent focused on purchase business, and refinances are icing on the cake,” Griffin said. “And I think that’s probably a differentiating aspect to other business models. There’s a lot of loan officers that might just rely on refinances and [are] probably hurting pretty bad right now.”
Since he’s already at the top of his game with purchases, Griffin is cruising through 2023 with a huge advantage in the market. How’s that for fear-based motivation?
But, over time he developed a passion for educating borrowers and real estate partners along the way. He likes teaching them the tips and tricks of the mortgage world.
“I have a passion for trying to help people succeed and that kind of falls back on the idea that good things happen to good people,” Griffin said. “I mean, it’s not always the case. I can be really good and, you know, bad things still happen. But at least I feel good, and I make good relationships with like-minded individuals.”