Griffin Funding, Inc., founded in 2013, is a national direct-to-consumer mortgage company that works with Veterans, Self-Employed, and Real Estate Investors. We specialize in VA Home Loans for active duty military and veterans, Bank Statement Loans for the self-employed, and DSCR loans for real estate investors. We are in the business of helping our clients achieve and maintain the American dream of homeownership.

Griffin Funding is a fully digital direct lender, having funded $3.4+ billion of loan volume to over 7,900+ clients as of August 2024. Our team leverages cutting-edge technology to originate loans that meet your particular needs. Although we specialize in VA Loans, Bank Statement Loans, and DSCR Loans, we offer a wide array of loan and advising services. Contact Griffin Funding today to access top-tier customer service and highly competitive interest rates.

Keep reading to learn more about us and why we make an excellent partner in securing a home loan.

Outstanding Client Experience: At Griffin Funding, we pride ourselves on delivering a 5-Star service that has earned us a strong reputation and glowing reviews on Yelp, BBB, and Google. Our team is compensated based on your satisfaction, and we are committed to building trust and showing you genuine care throughout your home financing journey. We have 1,000s of 5-Star reviews!

Effortless Digital Mortgage Platform: Our secure digital mortgage platform enables you to complete the application, sync bank accounts, upload documents, and receive full loan approval in as little as 20 minutes. We have streamlined the process to be painless, ensuring quick processing without unnecessary delays.

Direct Lender with Unparalleled Flexibility: With a diverse range of money sources, including private equity firms, insurance funds, investors, servicers, REITs, and regional banks, we’re able to offer you favorable interest rates, terms and flexible underwriting tailored to your financial situation.

Advisors, NOT Salespeople: Our experienced, knowledgeable mortgage professionals are more than loan officers – they are financial guides. Instead of merely selling debt, they work with you to assess your overall financial picture and help you build generational wealth through real estate. Utilizing the latest technology, tools, and calculators, they’ll clearly illustrate your options, ensuring you make informed decisions.

Direct-to-Consumer Advantage: As a consumer-direct mortgage company, Griffin Funding can offer more competitive solutions than traditional retail mortgage companies and large banks. Whether you found us through an online search or were referred by a satisfied client, we’re here to serve you directly with unmatched value.

Specialized Lending Solutions: We specialize in Bank Statement Loans for the self-employed, DSCR Loans for real estate investors, and VA Loans for veterans and active-duty military. Our expertise in these niche products sets us apart from 99% of lenders, ensuring you receive specialized attention and guidance.

Community Commitment: We’re proud to support Shelter to Soldier™, a 501(c)(3) non-profit organization dedicated to rescuing shelter dogs and training them to be psychiatric service companions for post 9/11 combat veterans with Post Traumatic Stress (PTS) or Traumatic Brain Injury (TBI). A portion of our proceeds goes to this noble cause, reflecting our commitment to community and compassion.

Griffin Gold Smartphone App: Our iPhone and Android App is your path to homeownership and wealth building. The Griffin Gold app puts the power of optimal financing at your fingertips. It provides a comprehensive guide from complete financial control and mortgage-ready assistance to smart budgeting tools and private home search.

Griffin Guarantee – Your Mortgage, Managed with Precision: With Griffin Funding, your mortgage is more than a transaction; it’s a long-term relationship. Our innovative Mortgage-Under-Management program actively monitors the real estate and mortgage market, identifying opportunities to maximize your financial position. If rates drop, we will notify you and facilitate an ultra-competitive refinance. This seamless, hassle-free process is our commitment to your success, reflecting how we value loyalty and strive to help you build generational wealth through wise real estate investments. Trust in the Griffin Guarantee, where your financial well-being is our priority.

Commit to 5-Star Service – Genuinely caring and always doing the right thing.

We are dedicated to providing exceptional service to clients and teammates by going above and beyond in every interaction. This means being curious, supportive, and focusing on building lifetime relationships rather than just completing transactions. Always being willing to help ensures that clients feel valued and understood, reinforcing our 5-star reputation and demonstrating that they are never just a number. We act with integrity in every decision, even when it is difficult, ensuring that our actions are always aligned with our commitment to doing the right thing. This goes beyond just 5-star reviews from clients and interactions with teammates—we genuinely care about everything we do.

GRIT – Driven by hard work, ownership, and resilience.

At our company, GRIT means being hard-working, accountable, and taking extreme ownership of every task. We are self-motivated, thorough, and consistent in all that we do. Persistence and dedication drive us forward, and our optimism and resilience allow us to overcome challenges with confidence. This mindset ensures that we continually strive for excellence, no matter how difficult the path may be.

Resourceful Problem Solvers – Be resourceful, knowledgeable, creative, and solution-driven.

We pride ourselves on being resourceful, knowledgeable, and always focused on solutions. At our company, finding smart, effective solutions to every challenge is key. We rely on our expertise, creativity, and problem-solving skills to overcome obstacles and deliver the best outcomes. Every team member is expected to think critically, act decisively, and use both intelligence and initiative to get things done. When faced with challenges, we don’t just react—we proactively find the most effective paths forward, no matter the situation.

Own Your Impact – Contribute, add value, adapt, and stand out.

At our company, every person matters and plays a vital role in our success. You’re not just a number—you’re here to make a difference. As a small, entrepreneurial team, everyone must contribute, think independently, and add value. There’s no room to hide or go unnoticed. We embrace change, adapt quickly, and think creatively. This is where employees and clients can make a real impact. We work together to shape success, ensuring everyone’s contributions lead to meaningful and lasting outcomes.

Growth-Minded Team Players – Communicate clearly, collaborate effectively, and stay positive.

At our company, we maintain a positive attitude, embrace a growth mindset, and understand that nothing is beneath anyone—we roll up our sleeves to get the job done. By being coachable, adaptable, and supportive, we ensure that we all grow and succeed together. We prioritize clear and positive communication with both clients and teammates. Collaboration is key to our success, and we believe that everyone contributes by being open to feedback, sharing ideas, and working together toward solutions. Together, we create an environment where communication and collaboration lead to success for both the team and our clients.

At Griffin Funding, our mission is to make homeownership accessible and wealth-building achievable for all through innovative mortgage solutions and expert guidance.

When buying a home in the United States, most buyers opt to take out a home loan, or a mortgage, in order to get the capital they need to make the purchase and spread the payments out over time. So, the very first step in securing a mortgage is to determine how much you can afford to spend on a home. This will give you an idea of how much money you’ll need to borrow from a mortgage company.

Once you’ve come up with a budget, you may want to get pre-approved for a home loan by a mortgage lender. After a mortgage lender looks over your current financial situation, they may issue you a pre-approval letter that can help expedite the home-buying process.

Now comes the exciting part: finding a home. Once you find a home that you’d like to buy, you’ll make an offer to the buyer. If the buyer accepts your offer, then you’re well on your way to purchasing a home. You’ll just have to order a home inspection and complete the rest of the mortgage process.

You can return to the mortgage lender that gave you a pre-approval letter—or a different lender, if you can find a better interest rate—and fill out a full mortgage application. You’ll give the lender certain documentation and they’ll review your financials to create a loan estimate. From there, you’ll just have to have the home appraised, wait as the loan is underwritten and processed, and then officially close the deal.

When you work with Griffin Funding, the first step in the process will be speaking with one of our mortgage strategists, who will evaluate the best loan options for you and find the lowest interest rate you qualify for based on your credit score and other determining factors. We will provide you with a personalized analysis that lays out your loan options, so you can compare your options and decide which one best suits your needs. 

Then, you’ll complete a loan application either over the phone or through our secure digital mortgage platform. Once you’ve completed the loan application, we can lock in your interest rate and help you along through the rest of the mortgage process. 

At Griffin Funding, we strive to tailor home loans to your unique situation while keeping our lending process as straightforward as possible. If you have any questions about us or concerns during the mortgage process, you can always reach out to us for support.

Griffin Funding holds licenses in 44 US states + DC and growing. Please visit our state licensing page for a complete list of states and license numbers: 

Buying a home is one of the biggest financial decisions you make in your life. However, for many people the mortgage process can appear complicated and overwhelming. One important thing to know about us is, when you work with Griffin Funding, you’ll get personalized assistance from knowledgeable loan specialists who can help you secure a great loan at a competitive interest rate. We offer a number of traditional and non-traditional loan services, so you can find exactly what you’re looking for. Plus, our online application makes applying for a home loan quick and easy.

Something else important about us is that we take great pride in working with veterans and honoring the sacrifices they have made for this country. We specialize in VA loans and allow veterans to take cash out up to 100% of the value of their home when using these types of loans. Additionally, we can offer loans that exceed the VA county limit. 

We also support veterans by partnering with Shelter to Soldier (STS), a San Diego-based nonprofit committed to rescuing shelter dogs and training them as service animals for post-9/11 veterans suffering from PTSD and other traumatic brain injuries. Since 2014, Griffin Funding has sponsored at least one dog per year, contributing funds to help them get trained as service animals and partnered with veterans. 

As we mentioned above, Griffin Funding offers a variety of traditional and non-traditional loans to fit different circumstances. Some of the loan services we offer include: 

• VA purchase loans 
• Bank statement loans
• DSCR loans
• Mortgage refinancing
• Non-QM mortgages
• FHA loans
• USDA loans
• Asset-based loans 
• Jumbo loans 

If you’re looking for a home loan, Griffin Funding is the mortgage company for you. As a national lender, we are proud to offer loan services in 44 states plus DC and are growing across the country. Contact us today to see how we can help. 

Don’t see what you were looking for on our about us page? We’re happy to answer any questions you still have.