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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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
What sets Griffin Funding apart?
Terms and conditions apply. Equal Housing Lender. NMLS# 1120111. (844) 305-2067. Visit griffinfunding.com
Most lenders stop thinking about your loan the day it closes. We don't.
2445 5th Ave Ste 401, 92101, San Diego, United States
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Replied to 77% of negative reviews
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★★★★★ Exceptional Service – Nina Made the Process Seamless!
Working with Nina Francini, my Loan Partner and primary contact at Griffin Funding, was an absolute pleasure from start to finish. I was applying for and closing on a DSCR loan for one of my investment properties, and she truly went above and beyond to make the deal happen.
Nina was consistently responsive, polite, highly qualified, and exceptionally conscientious about every detail of her work. Anyone who has applied for a loan knows how arduous and overwhelming the endless requests for paperwork can be, but Nina kept the entire process structured and manageable.
What stood out to me most was her problem-solving mindset. Whenever a bump in the road came up, she didn't take the easy way out—she actively found real solutions to keep everything moving forward to a smooth closing.
Great job, Nina! If you're an real estate investor working with Griffin Funding, you couldn't be in better hands. Highly recommended!

Reply from Griffin Funding
Trey and Shell were great and did an amazing job of explaining everything throughout the process on our loan!

Reply from Griffin Funding
What an extremely smooth and seamless process. Everything went very well. I’m thankful for all the reps who helped me navigate each step in the process and the continued communication along the way. Very thankful for Mr Joe Yaeger
who assisted me with every option available to get to this point. He was great and thank you again. See you at the next closing.
Laytonya Carter

Reply from Griffin Funding
Trey at Griffin Funding was great, Very knowledgeable, Very helpful, I would recommend them to everyone..

Reply from Griffin Funding
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 financing since the early 2000's and working with the Griffin team was one of the best experiences. The rate and fee were competitive as well. Highly recommend.

Reply from Griffin Funding
Best experience with Griffin Funding. Trey and Liz remained in communication and answered every question with extreme detail and care. I have the upmost respect for this company…

Reply from Griffin Funding
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. Griffin runs like a well-oiled machine. I look forward to working with them again.

Reply from Griffin Funding
I had a perfect experience with Griffin Funding which I think is one of the best in the lending business. Easy access to a real person who answers questions without making you feel like a burden. Follow-up after funding is also a plus

Reply from Griffin Funding
I was very nervous doing a loan that many people even myself, have never heard of. Denise made herself available anytime I had a question. I had lots of worries but she had none. From the beginning, she told me everything was good. And it was, it turned out fantastic. No major issues whatsoever. I provided the documents that they asked for when they asked for them without delay. And the loan closed in thirty days. Denise and her team were fantastic. And I would recommend griffin funding to any person that is self employed!! Tax returns are not the end all be all. My bank account shows truly what I bring in every month and honestly. I feel everyone should use that!! If I purchase again in the future, I will definitely reach out. Thank you for allowing me to buy a home.

Reply from Griffin Funding
We are repeat clients for a reason! Griffin is great to work with. From the initial loan application to funding is always quick and seamless. We sincerely appreciate Justin and Shell for their care and expertise in getting our home loan closed without any hiccups. We will use Griffin Funding again in the future.

Reply from Griffin Funding
Ryan was responsive and worked through snags quickly.

Reply from Griffin Funding
"Great experience working with Griffin Funding for the refinancing of my property at 1760 Old Pacolet Rd. They approved my loan quickly and kept the process smooth. Huge thanks to Steve and Mayra for their excellent work, guidance, and professional support from start to finish. Highly recommended

Reply from Griffin Funding
Overall, I had a good experience with Griffin Funding. I first spoke with the team on August 21 and closed my investment-property refinance on September 17—an efficient timeline that was especially important because I needed the cash-out proceeds by a particular date.
The team was helpful in getting the loan through underwriting, clear to close, and into a mobile-notary signing. When I raised questions, my loan officer responded and helped provide clarification, including corrections to the final payment estimate and resolution of insurance-related questions before signing.
My advice to future borrowers is simply to stay engaged through the final days: review every cost worksheet and closing document carefully, ask for clarification on escrow, insurance, cash-out figures, servicing, and any prepayment-penalty terms, and request a direct title or closing contact for signing-day questions—particularly if you are in a different time zone.
Despite a few last-minute details that required follow-up, Griffin Funding delivered a successful closing on a fast timeline and helped me access the funds when I needed them.

Reply from Griffin Funding
Kent and Jessie are amazing! Their transparency, professionalism, and proactive approach ensure that everything runs seamlessly, helping us reach the closing table without any issues. We genuinely appreciate both of them for their dedication and support. I look forward to the opportunity to work with them again on future deals!

Reply from Griffin Funding
Such an easy process! I worked with Nikolas Contreras. He was helpful on the phone with my questions. I was able to do everything else online and the HELOC funded in less than 2 weeks from application.

Reply from Griffin Funding

Reply from Griffin Funding
The Overall, my experience with Griffith Funding was positive, and most importantly, they were able to successfully fund my home equity line of credit.
The application process itself was easy and straightforward. Where I experienced challenges was when my application involved more complex questions or situations that didn’t necessarily fit neatly within the standard criteria. There was no opportunity to speak directly with a live representative or underwriter by phone to explain the circumstances or work through different scenarios. Most communication was handled through chat or AI, which made the process feel very black-and-white.
In my past lending experiences, being able to speak with a loan representative or underwriter has been helpful when additional explanation or clarification is needed. I think having that option would have made the process smoother and potentially helped the loan fund sooner.
That said, we ultimately worked through the issues and Griffith Funding was able to get my HELOC funded, which I appreciate. I would recommend them for the simplicity of the application process, but I think adding access to live support for more complex lending situations would greatly improve the overall customer experience.initial application was easy

Reply from Griffin Funding
★★★★★ **Five Stars — Exceptional Service from Sarah and Nina at Griffin Funding**
There are companies that process loans, and then there are people who understand that behind every loan is an actual person trying to accomplish something important. Sarah and Nina at Griffin Funding fall firmly into the second category.
This is my second loan with Griffin Funding, and I have worked with Sarah for years. There is a reason I came back.
Sarah is exceptional at what she does. Financing is rarely a perfectly straight road—there are hurdles, questions, unexpected issues, and occasionally moments when you wonder whether something can actually get done. Sarah seems to have an extraordinary ability to look at a hurdle and immediately start looking for the way around it.
She doesn't simply tell you what can't be done. She looks for what **can** be done.
She worked tirelessly to structure the loan, explore the available options, and keep things moving until we found the right path forward. That kind of persistence is increasingly rare. You never feel as though you're simply another file sitting on someone's desk. You feel as though someone is genuinely invested in getting you to the finish line.
Once Sarah had everything moving in the right direction, Nina stepped in and was equally impressive.
Nina is remarkably efficient. Paperwork gets handled quickly, questions get answered clearly, and communication is effortless. She also has something that can't really be taught: she is simply very good with people. She's personable, professional, organized, and genuinely pleasant to work with.
And then there is their responsiveness.
I've worked with Griffin Funding for years, and throughout that time I have typically received responses within about 20 minutes—which by itself is extraordinary in the lending business. With Nina, there were occasions when I received an answer in less than five minutes.
That matters.
When you're dealing with financing, uncertainty creates stress. Waiting hours or days for someone to answer a simple question can make an already complicated process unnecessarily frustrating. Sarah and Nina remove much of that anxiety because you know that when something comes up, someone is actually going to respond.
That creates trust.
Ultimately, the best compliment I can give Griffin Funding is also the simplest: **I came back.**
After completing one loan with them, when I needed financing again, I went back to Sarah and Griffin Funding. And after my experience this time with both Sarah and Nina, I would do it again without hesitation.
If you're looking for a lender where people answer their phones, respond to their emails, look for solutions instead of excuses, and genuinely work to get a difficult transaction across the finish line, I cannot recommend Griffin Funding—and particularly Sarah and Nina—highly enough.
**Five stars, without hesitation.**

Reply from Griffin Funding
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.

Reply from Griffin Funding
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