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Lisa Gaffikin

Home Loan Specialist at Churchill Mortgage
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Lisa is a very amiable, effective communicator, and is patient and helpful when there are tough questions. We entered into a tough buyer's market. We’re seeing more and more mortgage companies treating clients like a number and only focusing on getting your loan closed. We’re different – we want to set you up for financial success and ultimately set you free.

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  • Avoid Costly Mistakes During Mortgage Underwriting
    Lisa advises, "Avoid making large purchases or missing payments during underwriting," as these can affect credit scores and debt ratios. Auto loans and large appliance buys are risky. Always consult your loan officer before financial changes to ensure smooth loan approval.
  • Reverse Mortgage HELOC: A Lifeline for Cash-Strapped Seniors
    Lisa recounts advising an 80-year-old woman on a reverse mortgage HELOC to improve cash flow. With 85% home equity, the client sought to cover living expenses without depleting retirement funds. Lisa says, "The reverse mortgage option allows her to free up her income to cover daily expenses and enjoy her retirement years."
  • Home Warranties: Essential Protection or Unnecessary Expense?
    Lisa highlights that home warranties offer peace of mind by covering unexpected large appliance repairs during the first year of ownership. However, she cautions that limitations and required service providers can be drawbacks. Lisa recommends home warranties for resale homes to protect both sellers and buyers, emphasizing the importance of reading the fine print and choosing reputable companies.