Griffin Funding - Irvine Reviews 

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