Mortgages & Home
Loan Lenders
Griffin Funding is a direct-to-consumer mortgage lender that specializes in Bank Statement Loans for the self-employed, DSCR Loans for real estate investors, Home Equity Loans, and VA Loans for veterans and active duty military. Griffin Funding is dedicated to delivering 5-Star Service, a fully-digital easy-to-use experience, and financial expertise.
Outstanding Client Experience
Specialized Lending Solutions
Direct-to-Consumer Advantage
We're Advisors, NOT Salespeople
Effortless Digital Mortgage Platform
Griffin Funding is a direct-to-consumer Non-QM and VA lending specialist with $3.6 billion funded for 8,000+ clients, in-house underwriting, and a 5-star lending experience. Our borrowers qualify on rental income, bank statements, or an earned VA benefit, not on which way the Fed moves next. Whether you’re self-employed, an investor scaling a portfolio withDSCR loans, a veteran using your VA benefit, or a homeowner tapping built-up equity, we close where the conventional path stalls.
Our mission is to make homeownership accessible and wealth-building achievable for all through innovative mortgage solutions and expert guidance.
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Yes, most lenders charge closing costs on a home equity line of credit, though they’re typically lower than the closing costs for a primary mortgage. In many cases, HELOC closing costs range from 2% to 5% of your total credit limit, or they may be structured as flat fees depending on the lender. By comparison,…
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Frequently Asked Questions
At Griffin Funding, we offer a wide range of mortgage solutions but specialize in non-QM and VA loans. Our primary mortgage products include:
- DSCR loans: This investor-focused mortgage allows borrowers to qualify for a loan using a property’s cash flow rather than personal income. DSCR loans allow investors to purchase income-generating investment properties with no income or employment verification.
- Bank statement loans: Designed for self-employed workers and entrepreneurs, bank statement loans let you qualify for a mortgage with no tax returns or pay stubs. Instead, we analyze 12-24 months of personal or business bank statements and calculate your monthly income based on that.
- Home equity loans and HELOCs: If you’ve built equity in your home, Griffin Funding can help you put it to work. A home equity loan (HELOAN) delivers a lump-sum payment at a fixed rate, making it ideal for one-time expenses like home improvements or debt consolidation. A home equity line of credit (HELOC) works more like a credit card — you draw from your available equity as needed, giving you flexible access to funds over time.
- VA loans: We offer VA purchase loans, IRRRLs, and cash-out refinances for service members, veterans, and surviving spouses. Griffin Funding has extensive experience funding VA loans and maintains a close partnership with Shelter to Soldier, which rescues shelter dogs and pairs them with veterans suffering from PTSD. For every loan we fund, we donate $100 to STS in the name of the borrower.
Our mortgage process is straightforward and easy:
- Complete an online application: As a leading online mortgage lender, we offer a digital application that you can quickly fill out.
- Get pre-approved: After filling out an initial application, we will get you pre-approved if you qualify, giving you the opportunity to lock in a rate and position yourself as a stronger buyer.
- Full application and underwriting: Once you’re ready to buy, you’ll fill out a full application and provide all supporting documentation. We’ll confirm everything checks out with our streamlined underwriting process.
- Final approval: Once your loan has been underwritten, you’ll receive final approval and prepare to close.
- Loan funding: After signing final documents and completing the transaction, your loan will be funded in a matter of days.
In most cases, we can provide borrowers with initial mortgage pre-approval within 24 hours after submitting a loan application and supporting documentation. With a mortgage pre-approval letter in hand, you can lock in a rate, better understand your budget, and be a more competitive home buyer.
Griffin Funding stands out as a direct-to-consumer online mortgage lender offering:
- Flexible underwriting for non-traditional borrowers
- Fully digital application and document upload
- Specialized programs for self-employed borrowers and investors
- Fast closings compared to many traditional lenders
At Griffin Funding, we combine the latest technology with excellent customer service. Our AI-driven non-QM underwriting platform helps you get approved for financing even faster. Meanwhile, our team of experienced mortgage professionals work with you through every step of the process.
Griffin Funding is a direct-to-consumer mortgage lender, allowing us to offer more flexible and personalized solutions compared to large banks and retail mortgage companies. Rather than employing a middleman, we work directly with borrowers throughout the mortgage process. This results in faster closing times and stronger relationships between Loan Officers and borrowers.