From the first conversation I had with Justin he was very professional. He answered all my questions without hesitation. His overview of how the process would go once we found a house was very helpf... ãã£ãšèŠã
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Worst mortgage experience I have ever had (among many)! Terms were constantly eroding and with delays, it forced decisions we wouldn't have typically made. definitely didn't feel like they were lookin... ãã£ãšèŠã
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I had a great experience with a loan officer whose last name was Thomas when I applied for my loan. The loan process went smoothly, without any hiccups, because he was consistently available and alway... ãã£ãšèŠã
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Andre's knowledge is truly impressive. When we ran into options that weren't ideal, he didn't just stop there. He came back with smart alternatives that helped us reach the same goal, and in s... ãã£ãšèŠã
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Griffin Funding ã«ã€ããŠ
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Loan programs
Griffin Funding is a national direct mortgage lender based in San Diego, California. We underwrite in house, so we make the credit decision ourselves rather than passing your file to a third party.
We specialize in borrowers whose income does not fit a standard W-2 box: self-employed business owners, real estate investors, and veterans. The online application takes about 10 minutes, and files move in days rather than weeks. Since 2013 we have funded more than $3.6 billion to over 8,000 clients.
Loan programs we offer
- Bank statement loans â qualify using 12 or 24 months of business or personal bank statements instead of tax returns. Built for self-employed borrowers, contractors, and business owners who write off heavily.
- DSCR loans â qualify an investment property on its own rental cash flow (debt service coverage ratio) rather than your personal income. No W-2s, no tax returns.
- VA loans â purchase and refinance options for veterans, active-duty service members, and eligible surviving spouses, including zero-down purchase loans.
- Home equity loans and HELOCs â including fixed-rate HELOCs and reverse second mortgages, for pulling cash out without touching your first mortgage rate.
- Conventional, FHA, USDA, and jumbo loans â the full traditional suite alongside our non-QM programs.
What sets Griffin Funding apart?
- In-house underwriting and common-sense review, so self-employed income is not a dead end.
- A platform of institutional non-QM loan buyers, which is why we can place files other lenders decline.
Terms and conditions apply. Equal Housing Lender. NMLS# 1120111. (844) 305-2067. Visit griffinfunding.com
The Griffin Guarantee
Most lenders stop thinking about your loan the day it closes. We don't.
We treat your mortgage as something we manage, not something we sold you. After closing we keep watching the market against your rate and terms, and when refinancing would genuinely save you money we call you. You do not have to track rates yourself or wait for a mailer, and if the numbers do not work we tell you that too.
That relationship is the point. It is why most of our business comes from clients and referrals rather than lead lists.
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2445 5th Ave Ste 401, 92101, San Diego, ç±³åœ
- 844-305-2067
- marketing@griffinfunding.com
- griffinfunding.com
Griffin Funding
4.5
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All the team members were helpful
All the team members were helpful, knowledgeable and quick to respond to questions. I never felt in the dark about what was coming next.
2026幎10æ15æ¥
Absolutely amazing and smoothâŠ
Absolutely amazing and smooth experience, they close and execute very quickly. They are great with communication and explanations.
2026幎10æ15æ¥
Griffin Funding ããã®åç
Dorian, we love hearing this! It's great to know the team kept things moving quickly and made sure you understood what was happening along the way. Thanks for taking the time to share this with us!
Very easy to work with loan officer heâŠ
Very easy to work with loan officer he was amazing, when a problem came up he helped to take care of it. Thank you
2026幎3æ1æ¥
Griffin Funding ããã®åç
We're glad your loan officer was there to help when an issue came up, Shay! Having someone who steps in and works through problems with you makes such a difference. Weâll be sure to share your kind words with him.
The agent was misleading..
The agent I was working with mislead me about the availability of a construction loan option. When I went to follow up after the months of payments I was told they had left the organization and no assistance was available to service my loan. Frustrating.
2025幎12æ13æ¥
Griffin Funding ããã®åç
Elizabeth, we're sorry for the frustration this caused. We understand how upsetting it is to make payments based on what you were told, only to find out later that the option wasn't available and you couldn't get the help you needed. You deserved clearer communication and support, and we appreciate you sharing your experience.
Walked thru every step of process
Walked thru every step of process. Funded loan based on assets provided. Friendly reps who responded to all questions/concerns.
2026幎10æ13æ¥
Overall great first experience
Overall great first experience. Quick close with competent staff!!! Thank you look forward to the next close
2026幎10æ6æ¥
Griffin Funding ããã®åç
Allyn, great to hear your first experience with us went so well! Weâre glad the team made the process smooth and got you to closing quickly. Looking forward to the next one!
From the first conversation I had withâŠ
From the first conversation I had with Justin he was very professional. He answered all my questions without hesitation. His overview of how the process would go once we found a house was very helpful.
Once we found a home he and Shell always keep me informed, always let me know in a timely fashion what items they needed from me.
Without hesitation I would highly recommend Justin to anyone needing a mortgage.
2026幎10æ7æ¥
Griffin Funding ããã®åç
It sounds like Justin and Shell did a great job keeping you informed and making sure you knew what was needed at each step. Mark, we appreciate the recommendation and will be sure to share this with them!
Top Mortgage Company for Business Owners
Amazing communication; on time closure; dedicated and knowledgeable loan processor. Best service for entrepreneurs and business owners.
2026幎7æ1æ¥
Griffin Funding ããã®åç
We love hearing this! Clear communication and a team that knows their stuff can make all the difference, especially when you're balancing the demands of running a business. Thanks for sharing your experience!
Joe Yaeger is a great loan officer
Joe Yaeger is a great loan officer. Been working with him for years and use him exclusively and refer everyone to him! If you want a great experience, try him out.
2026幎4æ13æ¥
Griffin Funding ããã®åç
Kathy, it means a lot that youâve continued to work with Joe over the years and feel confident referring others to him. Weâll make sure he sees your kind words. Thanks for continuing to trust him with your business!
Loan application experience
I had a great experience with a loan officer whose last name was Thomas when I applied for my loan. The loan process went smoothly, without any hiccups, because he was consistently available and always answered my calls. However, Thomas has since left the company, so Iâm not sure whether the excellent service he provided reflected his personal professionalism or the companyâs overall culture.
2026幎2æ1æ¥
Griffin Funding ããã®åç
Weâre glad Thomas was consistently available and helped make your loan application such a smooth experience. We appreciate you sharing this, and we hope to provide that same level of service to you moving forward.
Griffin Funding will make it happen for you.
Liz Singer was so patient with me, I told her that my computer skills were that of a toddler and she did â baby sitting a toddler â big time. I was able to do my paperwork because of her. Andre was precise and clear and kept me focused. Thank you!
2026幎10æ10æ¥
Griffin Funding ããã®åç
This made us smile, Encarnacion! It sounds like Liz had plenty of patience and helped you through every step, while Andre kept everything clear and on track. Weâll definitely share this with both of them!
Inaccurate representation
The loan officer made too many promises that he couldnât follow through on. Spoke before actually have concrete answers which causes many issues and unforeseen circumstances. We will be using another company in the future.
2026幎7æ1æ¥
Griffin Funding ããã®åç
Weâre sorry to hear about your experience, Olivia. We understand how frustrating it is when expectations are set before the details are confirmed, especially when it leads to unexpected issues. We appreciate you sharing this feedback and recognize how important clear, accurate communication is throughout the loan process.
Paid for a appraisal over a year agoâŠ
Paid for a appraisal over a year ago now and have not been able to get ahold of the person
2025幎10æ10æ¥
Griffin Funding ããã®åç
Rory, we're sorry you've had such a difficult time getting a response about your appraisal. Waiting this long without being able to reach someone is understandably frustrating. We'd like the opportunity to look into what happened and help get you some answers
Wish for more follow up
Wish for more follow up. More assistance and communication once funded.
2026幎1æ29æ¥
Griffin Funding ããã®åç
We appreciate you bringing this to our attention, Ian. Support and communication shouldn't stop once a loan is funded, and we're sorry you haven't received the follow-up and assistance you were hoping for.
Griffin Funding ããã®åç
Sometimes getting exactly what you needed says it all! Weâre happy we could help, Mariela. Thanks for taking a moment to share your experience!
I have no words strong enough to showâŠ
I have no words strong enough to show my appreciation and gratitude for all the hard work in assisting me with my home loan! Thank you so very much!!!!
2026幎2æ20æ¥
Griffin Funding ããã®åç
Karen, your kind words mean so much! Weâre happy our team could help you with your home loan, and weâll be sure to share your appreciation with everyone who helped along the way.
Griffin Funding ããã®åç
We love hearing that the closing was hassle-free and the paperwork stayed manageable, Delroy! Making the process as straightforward as possible is always the goal. Thanks for sharing your experience!
They did everything they could to getâŠ
They did everything they could to get me in my home.
2025幎12æ18æ¥
Griffin Funding ããã®åç
Barbara, we're so happy we could help you get into your home! It sounds like the team really worked hard to make it happen, and we appreciate you trusting us with such an important milestone.
Bad communication
Bad communication . Long delays for email replys . Lost 10s of thousands dollars because of delays . This was 4th deal with company. First one great . 2nd one good small lack of communication but ok . 3rd one a nightmare. 4th one didnt happen.
2026幎1æ8æ¥
Griffin Funding ããã®åç
Joshua, we're sorry to hear how much frustration and financial impact you've experienced, especially after working with us on multiple deals. Delays and a lack of communication are serious concerns, and we understand why this experience has affected your trust in us. We appreciate you being candid about what happened.
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