Home Loans in Orange County

Where We Lend

While it may seem small on a map, Orange County is a wildly diverse region with many cities and towns, each offering unique opportunities for home buyers. Griffin Funding is one of the leading mortgage lenders in Orange County, CA, providing flexible financing solutions across the county. Below are just a few of the areas we serve in Orange County:

Whether you’re drawn to the coastal lifestyle of Newport Beach or the family-friendly suburbs of Irvine or Laguna Niguel, Griffin Funding is here to help. Our services offer personalized support for California mortgages in areas within Orange County and beyond, setting you up for a smooth ride throughout the entire process.

Types of Home Loans Available in Orange County

At Griffin Funding, we understand that every buyer’s needs are different, and there’s no one-size-fits-all. That’s why we offer a wide range of loan options designed to fit various financial profiles and home-buying goals. 

Below are the loan programs currently available to Orange County residents or those looking to buy in the area:

• Conventional Loans: These are a solid choice for buyers with good credit and a stable income since conventional loans offer competitive terms and flexible repayment options.
• DSCR Loans: A debt service coverage ratio (DSCR) loan is a mortgage solution tailored to those looking to invest in real estate. This financing option allows you to qualify for a mortgage using the rental income of a property. 
• Bank Statement Loans: A bank statement loan allows self-employed borrowers to qualify for a mortgage using bank statements rather than tax returns. 
• Asset-Based Loans: Qualify for a home loan in Orange County using your liquid assets rather than traditional income documentation. 
• CalHFA Loans: CalHFA offers several mortgage programs that can make buying a house in Orange County more affordable. 
• FHA Loans: Perfect for first-time buyers or those with lower credit scores, FHA loans are known for their relaxed qualification requirements and smaller down payments.
• VA Loans: As an exclusive available option to eligible veterans, service members, and surviving spouses, VA loans provide significant benefits, including no down payment and favorable interest rates.
• USDA Loans: The government-backed USDA loan program allows home buyers to purchase real estate in qualifying rural or suburban areas with no down payment required. 
• ITIN Loans: If you’re a foreign national, an ITIN loan can help you secure a mortgage without needing a Social Security number. 
• Home Equity Loans: Capitalize on your home appreciating in value or tap into your equity with a second mortgage, a cash-out refinance loan, or a home equity line of credit (HELOC). 
• California Investment Property Loans: Whether you’re buying rental properties or flipping homes, our California investment property loans can help you grow your portfolio.
• Private Money Loans: If you need a bridge loan or quick access to short-term financing, our hard money loans may be able to help. 

With a variety of loan options, Griffin Funding helps every buyer — from first-time homeowners to seasoned investors — access financing tailored to their unique circumstances. 

How to Get a Home Loan in Orange County

While applying for a home loan may seem daunting, Griffin Funding is one of the most trusted mortgage companies in Orange County, CA, and we strive to make the process as simple as possible. 

Here’s a general step-by-step guide to help you understand how it works:

1. Pre-Approval: The buying process starts by determining how much home you can afford. Our team reviews your financial details and provides a pre-approval letter to strengthen your position as a buyer.
2. Explore Loan Options: After the pre-approval process, you’ll work with our loan specialists to choose the loan program that best suits your goals, whether it’s a conventional loan, a VA loan, or an innovative non-QM loan.
3. Submit Your Application: From there, you’ll complete a mortgage application online or over the phone and provide us with the necessary documents, such as income verification, credit reports, and asset statements. 
4. Underwriting: Once we have the right documents, your application will be evaluated for approval. At this stage, it’s possible that we may request additional details to finalize your loan.
5. Loan Approval: Once your loan is approved, you’ll receive a loan offer with clear terms, interest rates, and repayment details.
6. Closing: Once things are wrapping up, you’ll finalize the paperwork, make any required payments, and officially close on your new Orange County home or refinance loan.

Our transparent and personalized process ensures that you’re well-supported at every stage of your home loan journey and understand all of the resources available to you.

Why Work With Griffin Funding?

Choosing the right lender can make all the difference in your home-buying experience. Griffin Funding stands out among mortgage companies in Orange County for several reasons:

• Local Expertise: With years of experience in Orange County’s real estate market, we understand the unique needs of local buyers and can provide tailored guidance.
• Competitive Rates: With such a competitive market, our goal is to find options that help you get the best possible mortgage rates in Orange County. 
• Flexible Loan Options: From traditional programs to specialized loans like non-QM mortgages or ADU financing, we offer solutions for every buyer.
• Tech-Driven Tools: The Griffin Gold app streamlines the loan process, giving you real-time updates, access to resources, and complete transparency throughout the journey.
• Exceptional Service: At Griffin Funding, we prioritize your satisfaction, providing a seamless and stress-free experience from start to finish.

Partner With a Leading Mortgage Company in Orange County, CA

At Griffin Funding, we’re dedicated to helping you reach your homeownership dreams in Orange County. By knowing all of the available loan options, staying up-to-date with market trends, and committing to customer success, we are your trusted partner for all things mortgage-related.

Whether you’re purchasing a home in Anaheim, refinancing a coastal property in Huntington Beach, or investing in a property in San Juan Capistrano, Griffin Funding is here to guide you every step of the way. Partner with a trusted mortgage lender in Orange County, CA. Reach out today to begin your home buying journey!