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.
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.
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 receipt of your loan application, we will provide you with a written offer disclosing all terms in an easy-to-understand manner
3.
Loan Funded
In a matter of days, not weeks like most lenders, the loan is funded through escrow and funds wired to you directly.
4.
Pay Monthly
You 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…