My funding needs sit outside conventional loans, so I found Griffin on social media. The team was excellent, especially Liz. She coordinated every moving part and kept things on track through closing.... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Greetings, I have just recently dealt with several companies to obtain a HELOC loan. Some of the loan officers about 5 of them had taken it upon themselves to refinance my loan at 2.25% to give me a c... See more
Company replied
I just completed a DSCR financing with the Griffin Funding. The team I worked with, Matthew McCarthy and Summer Castillo did an excellent job from the beginning to the closing. I had done quite a few... See more
Company replied
Both Matt M. (Loan Officer) and Summer C. (Mortgage Loan Partner) made this an unusually smooth and stress free experience. They told me the process would take 25-30 days from application to closing... See more
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Company details
- Mortgage Lender
- also in
- Finance Broker
- Financial Consultant
- Loan Agency
- Mortgage Broker
- Non-Bank Financial Service
About Griffin Funding
Written by the company
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 — 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 — 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 — purchase and refinance options for veterans, active-duty service members, and eligible surviving spouses, including zero-down purchase loans.
- Home equity loans and HELOCs — including fixed-rate HELOCs and reverse second mortgages, for pulling cash out without touching your first mortgage rate.
- Conventional, FHA, USDA, and jumbo loans — 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.
Contact info
2445 5th Ave Ste 401, 92101, San Diego, United States
- 844-305-2067
- marketing@griffinfunding.com
- griffinfunding.com
Griffin Funding
4.5
Excellent
76 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 77% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Strong support throughout the process
Strong support throughout the process, made it easier and more efficient to complete the paperwork. Highly recommend to others. I would go back and use them again.
September 8, 2026
Reply from Griffin Funding
We’re happy to hear the team made the paperwork easier and helped keep things moving. Thank you for the recommendation, and we’d love to work with you again!
Professional
Professional, quick response to questions, thoroughly explained the process 👏
August 28, 2026
Reply from Griffin Funding
Thank you, Elisa! We’re glad our team was able to answer your questions and make the process easy to understand. We really appreciate you sharing your experience!
Good experience
Good experience. Good communication with regular updates. Smooth transaction.
August 31, 2026
Reply from Griffin Funding
We’re happy to hear everything went smoothly and that you were kept updated along the way. Thanks for taking the time to leave us a review!
Great process and easy
Great process and easy. Each member was very helpful and responsive to our needs. Would recommend this company again and again. Thank you for a wonderful experience.
September 4, 2026
Reply from Griffin Funding
We love hearing this! It’s great to know everyone on the team was responsive and able to help with what you needed. Thank you for recommending us, Josh!
Exceptional Experience
Trey, Liz and Ashley were all great to deal with. They all informed me with all up to date information.
The turnaround time from receiving information and solving the problem was almost immediate.
This was our first DSCR loan and will not hesitate to use them again on our next STR investment loan.
August 28, 2026
Reply from Griffin Funding
We’re so glad your first DSCR loan was a great experience! Trey, Liz, and Ashley will be happy to hear your feedback. We’d love to help again when you’re ready for your next STR investment!
good experience
Guy, Ashley, and Nina were very helpful throughout the loan process. They were responsive, professional, and very transparent about the services they could provide. I really appreciated their honesty and support throughout the process.
August 29, 2026
Reply from Griffin Funding
It’s great to hear Guy, Ashley, and Nina were able to provide the support and transparency you were looking for. We really appreciate you recognizing their efforts!
Very quick initial response and funding…
Very quick initial response and funding process. 100% online and easy process. Definitely would use again.
September 1, 2026
Reply from Griffin Funding
We’re glad the process was quick and easy from start to finish! Being able to complete everything online can make things a lot more convenient. We’d be happy to work with you again!
It was a great experience
September 4, 2026
Reply from Griffin Funding
We’re so happy to hear you had a great experience! Thanks for taking a moment to share this with us.
A rather easy task to acomplish
Greetings, I have just recently dealt with several companies to obtain a HELOC loan. Some of the loan officers about 5 of them had taken it upon themselves to refinance my loan at 2.25% to give me a cash-out and begin a new loan of 30 years at 6.5% interest. I must have wasted 1 month or more trying to accomplish this task until I found Griffin Funding; they were able to accomplish this loan within 2 -3 weeks and close. Easy to work with the required documents, mostly through the internet; straight up easy and secure.
September 3, 2026
Reply from Griffin Funding
Rich, we’re so glad you found us after such a frustrating search! It’s great to hear we were able to help you get the HELOC you needed without having to give up your existing loan and rate. We also love hearing that the process was straightforward and easy to complete online. We appreciate you choosing Griffin Funding!
Mike and Jesse made the experience easy…
Mike and Jesse made the experience easy by always responding quickly to all of my questions and helping me the whole way through! I will be working with them again, hopefully very soon!
September 2, 2026
Unprompted review
Reply from Griffin Funding
Ashley, it’s great to hear Mike and Jesse were there to answer your questions and keep things moving! We’ll be sure to share your kind words with them. We’d love to work with you again in the future!
Sarah was Awesome!
Sarah was awesome to work with. She was very responsive, knowledgeable, and so kind! She helped me navigate a stressful situation and was very reassuring throughout the process. I would use Griffin Funding again. Thank you, Sarah for helping me with my dream home!
August 28, 2026
Reply from Griffin Funding
Hi Amanda, we’re so glad Sarah was able to make the process feel less stressful and provide the support you needed. We’ll be sure to share your kind words with her, and congratulations on your dream home!
The help and information provided to…
The help and information provided to assist me in the buying process was fantastic from beginning to end
September 1, 2026
Reply from Griffin Funding
It’s wonderful to hear you felt supported every step of the way! Buying a home is a big decision, and we’re glad our team could provide the guidance and information you needed. Thank you for sharing your experience, Daryl!
Amazing service from applying to funding
Denise is my loan officer. She did an amazing job explaining all of the options I had to get funding to expand my business. I HIGHLY recommend Griffin Funding. I was approved same day as applying, and had funding within 5 business days.
August 24, 2026
Reply from Griffin Funding
Thank you for the kind words, Benjamin! We're so glad Denise made the funding process clear and easy, and that you got approved and funded so quickly. We'll pass along your feedback to her, congrats on the business expansion, and best of luck!
Incessant spammers
ETA: Thanks for the Sept 1 2026 reply that you've removed my number from your list. However, today is Sept 12 2026 and you've switched to incessant emailing in addition to voice mails. The latest contact today is from Kristie Lyons. Probably not even a real name. I think I'm just going to start a log of all the Griffin Funding names that come up when you refuse to stop bothering me.
Griffin Funding is pure marketing evil, no joke.
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This company calls me incessantly. I asked to be taken off their list but they just call from a different number. Every time, I block it but then a new one shows up. Caller ID says Spencer at Griffin, Scot at Griffin, Meghan at a Griffin. They are annoying spammers and they refuse to get out of my life.
August 19, 2026
Unprompted review
Reply from Griffin Funding
Hi Kimberly, we sincerely apologize for the frustration this caused. We've located your number and confirmed it's been removed from our call list. If you experience any further contact, please let us know directly and we'll address it immediately. Thank you for your patience, and we're sorry for the inconvenience.
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