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
Home Loans for
Self-Employed
With a Bank Statement Loan, self-employed borrowers can qualify using bank statements as proof of income unlike a traditional stated income loan.
Grow Your Real
Estate Portfolio Fast
DSCR Loans allow real estate investors to qualify using rental income as proof of income instead of using tac returns.
Turn Home
Equity Into Cash
Home Equity Loans/Lines allow Home Owners to access equity without touching their First Mortgage.
Exclusive Home Benefits
for Veterans
Compare the benfits of VA Home Loans & Mortgages with other mortgage types and learn how to get the most out of your VA benefits.
8,000+ clients
since 2013
Featured onInc. 5000 5+ times
Service
Our Primary Loan Types
Bank Statement Loans
Instead of a traditional stated income loan, self-employed borrowers can qualify using bank statements as proof of income.
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DSCR Loans
Instead of a traditional loan using tax returns, real estate investors can qualify using rental income as proof of income.
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Home Equity Loans
Instead of using traditional income like W2s and tax returns, retirees or high net worth individuals can qualify using their assets as income.
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VA Home Loans & Mortgages
Compare the benefits of VA home loans with other mortgage types and learn how to get the most out of your VA benefits
LEARN MOREMortgages & Home Loan Lenders
March 2026 Market Update
Mortgage Rates Just Dropped Below 6% for the First Time Since 2022 — Here’s What That Means for You
The 30-year fixed rate has fallen to 5.98% as of late February 2026, marking a milestone that hasn’t been seen in over three years. 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 — this is the strongest rate environment since early 2022. Griffin Funding is a direct lender with in-house underwriting, which means we control your rate, your timeline, and your approval. No middlemen. No delays. 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 a written offer disclosing all terms in a 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
How Mortgage Rates Are Set Before we teach you how to get the lowest mortgage rate, it helps to understand what influences the rates lenders offer. Lenders look at broader economic conditions and your personal financial profile to determine your specific mortgage rate. Here are the main factors affecting rates: Economic indicators: The Federal Reserve’s…
A real estate escalation clause is an addendum to a purchase offer that authorizes your bid to increase automatically by a predetermined amount if another buyer submits a higher offer. Here’s how it works in practice: You submit an initial offer on a home at $400,000, but you include an escalation clause that says you’ll…
Mid-term rentals are furnished properties leased for 30 days to 12 months, targeting traveling professionals, remote workers, and relocating families who need temporary housing. These types of rentals bridge the gap between short-term rentals and traditional year-long leases while targeting professionals who need temporary housing but want more stability than nightly bookings provide. Mid-term rentals…