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 PlatformWhat Griffin Can Do for You
8,000+ clients
since 2013
Featured onInc. 5000 5+ times
Service
April 2026 Market Update
Rates Are Moving Fast — Lock Before the Market Decides For You
Tariff uncertainty is creating real volatility in mortgage rates this April — and that volatility cuts both ways. Rates can drop on economic slowdown fears or spike on inflation pressure, sometimes within the same week. The window to lock a competitive rate is real, but it won’t wait. Whether you’re self-employed and qualifying with bank statements, an investor scaling your rental portfolio with DSCR loans, a veteran leveraging your VA benefits, or a homeowner sitting on record equity — Griffin Funding’s in-house underwriting means we control your rate, your timeline, and your approval. No middlemen. No delays. No surprises.
Rates are subject to change daily based on market conditions.
Home Loans & Online Mortgage Lender
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.
8,000+ clients
since 2013
Featured onInc. 5000 5+ times
Service
How it Works
1.
Apply Online
It takes less than 10 minutes to complete our simple, online loan application in order to get the answers you need.
2.
Get Approval
Within 24 hours of receiving your loan application, we will provide you with a written offer disclosing all terms in a way that’s easy to understand.
3.
Loan Funded
While many lenders take weeks to fund, we do it in days. The loan is funded through escrow and funds are wired to you directly.
4.
Pay Monthly
After your loan is funded, you’ll make monthly payments to us via mail, phone, or direct deposit. It’s that easy.
Customer Reviews
Our mission is to serve our customers with honesty, integrity and competence with the lowest interest rates and closing costs possible.
Loans by Location
Our Team
Guy Troxler
Sr. Loan Officer – San Diego, CA NMLS# 1642169
Sarah Howell
Sr. Loan Officer – San Diego, CA NMLS# 1333968
Jack Iwamoto
Sr. Loan Officer – Irvine, CA NMLS# 2634018
Cody Unger
PSM / Sr. Loan Officer – Phoenix, AZ NMLS# 1295308
Recent Posts
Why Every Homeowner Needs a Home Maintenance Checklist Below are a few reasons why every homeowner can benefit from using a checklist for regular home maintenance. Protecting Your Home’s Value A home maintenance checklist is one of the simplest tools for protecting your property’s long-term value. Regular upkeep helps preserve resale value, prevent avoidable damage,…
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,…
Yes. In most cases, a lender will require an appraisal for a home equity line of credit to determine your home’s current market value. Because your property serves as collateral, lenders need an accurate valuation before approving your credit limit. The appraisal helps confirm how much equity you’ve built and ensures the loan amount aligns…
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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.