Honesty, pricing, process and quality scores appear once 5 customers have rated them.
About Griffin Funding
$3.6B+Funded8,000+Clients10 minApplicationLoan programsBank StatementDSCRVAJumboHELOCConventionalGriffin 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 offerBank 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.APPLY NOW(844) 305-2067Terms and conditions apply. Equal Housing Lender. NMLS# 1120111. (844) 305-2067. Visit griffinfunding.com
Griffin Funding (griffinfunding.com) has 82 customer reviews on Folks Told, with an average rating of 4.6 out of 5.
Easy experience. No real issues. Everything was pretty smooth.
Reply from Griffin FundingSep 23, 2026
We’re glad it was an easy one! Sometimes the best experience is when everything just goes smoothly. Thanks for sharing this with us, Donna!
NJ
Niwonna J.
Easy Application Process, but Limited Support for Complex Situations
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 FundingSep 23, 2026
Thank you for the honest feedback, Niwonna. We’re glad we were able to get your HELOC funded, and we appreciate you calling out both what worked well and where more direct support could have helped.
ER
Eric R.
★★★★★ **Five Stars
★★★★★ **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 FundingSep 23, 2026
Eric, this was such a great review to read. The fact that you came back to Griffin for a second loan says a lot, and we’re so glad Sarah and Nina were able to make this experience another great one. We’ll definitely be sharing this with both of them!
DC
Dwayne C.
Kat and Jamie were great.
Kat and Jamie were great.
Reply from Griffin FundingSep 23, 2026
We’re glad Kat and Jamie took good care of you, Dwayne! Thanks for taking a moment to give them a shoutout.
DL
Dr. Lorna F.
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.
Reply from Griffin FundingSep 23, 2026
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!
EF
ELISA F.
Professional
Professional, quick response to questions, thoroughly explained the process 👏
Reply from Griffin FundingSep 10, 2026
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!
JP
Jim P.
Good experience
Good experience. Good communication with regular updates. Smooth transaction.
Reply from Griffin FundingSep 10, 2026
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!
JT
Josh T.
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.
Reply from Griffin FundingSep 10, 2026
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!