Our Charlotte Office

About Griffin Funding – Charlotte Office 

Griffin Funding is proud to serve homeowners and homebuyers in Charlotte, throughout North Carolina, and across the country. Our loan specialists bring deep knowledge of the Charlotte real estate market — from Uptown condos to suburban single-family homes in the surrounding communities — combined with the resources of a nationally licensed lender. 

Whether you’re a first-time buyer, a veteran, a self-employed borrower, or a real estate investor, we have the loan products and local expertise to get you to the closing table.

Mortgage Solutions We Offer in Charlotte, NC

We offer a wide range of mortgage solutions, from traditional loans to investment property loans, so you can always get a loan that matches your needs.

Non-QM Loans 

• DSCR Loans: Instead of qualifying for a loan with your credit score and income, DSCR loans allow you to qualify based on the income of your property.

• Bank Statement Loans: If you can’t provide W-2s and other documents to qualify for a traditional loan, you can qualify for a bank statement loan using recent bank statements.

• Asset-Based Loans: Asset-based loans are a simple way to take out a secured loan using assets as collateral. 

Traditional Mortgages 

• Conventional Loans: These are the standard mortgages most homeowners take out. Credit score and income requirements may be stricter with conventional loans.

• VA Loans: Active-duty service members, National Guard/Reserve members, and qualifying surviving spouses can take out VA loans at a lower cost.

• FHA Loans: FHA loans are provided by the Federal Housing Administration, helping low-to-moderate income buyers secure a loan with fewer requirements.

• USDA Loans: USDA loans can only be used to purchase qualifying rural or suburban properties, but they come with better interest rates if you qualify.

Home Equity Solutions 

• Home Equity Loans: A home equity loan, or HELOAN, allows you to take out a lump-sum loan using the equity you have in your home as collateral.

• Home Equity Lines of Credit: Home equity lines of credit (HELOCs) are similar to HELOANs, but you can take out a line of credit instead of a lump-sum amount.

Refinancing Solutions 

• Rate-and-Term Refinance: If you want to lower your mortgage interest rate or switch your 30-year mortgage to a 15-year mortgage, a rate-and-term refinance can help.

• Cash-Out Refinance: Cash-out refinances allow you to take cash out using your equity by replacing your existing mortgage with a bigger one.

Why Choose Griffin Funding for Your Charlotte Home Loan? 

• Competitive rates: As one of the top Charlotte mortgage companies, Griffin Funding offers competitive interest rates that help you save money over the life of your loan.
• Fast pre-approval process: The loan specialists at Griffin Funding can get you pre-approved in as little as 24 hours, and we can get your loan funded in as little as two weeks. Faster pre-approval and funding times mean you don’t have to worry about missing out on property due to a slow loan process.
• Experienced loan officers: We’re a top mortgage lender in Charlotte, NC, because our loan specialists have the experience and commitment it takes to make sure every homeowner and homebuyer finds the right loan solution.
• Local expertise: Thanks to years of experience in the Charlotte area, we have the local real estate market expertise to help you navigate the complexities of purchasing any property.
• Personalized loan guidance: We know every homebuyer has different needs, so our loan specialists work with you to offer personalized loan guidance and tailor your loan to meet your needs.
• Digital application with local support: Filling out an online application with Griffin Funding is easy, and our loan specialists are always here to help when you need them. The Griffin Gold app can even help you start your journey to becoming a homeowner.

Areas We Serve

As one of the largest mortgage companies in Charlotte, NC, we cast a wide net in the area. Here are some of the areas where we lend:

• Uptown: Home to pro-sports venues and a wide variety of parks and businesses, Uptown is a busy part of Charlotte with plenty of real estate investment opportunities.
• Ballantyne: Ballantyne is known for its unique blend of art and nature, with lush green walkways and plenty of live events to enjoy in the area.
• South End: One of the more historic parts of Charlotte, South End is located just outside of Uptown and home to many beautiful properties.
• Huntersville: Huntersville is another Charlotte neighborhood where nature is the main attraction, making it a hotspot for homebuyers who want to get away from the city.
• Concord: Concord may be a short distance from Charlotte, but the Charlotte Motor Speedway and selection of BBQ restaurants makes it a popular destination for investors.
• Mooresville: Known as “Race City USA” thanks to its ties to NASCAR, Mooresville is a fast-growing Lake Norman community that attracts families and investors looking for more space at a lower price point than Charlotte proper.
• Matthews: A family-friendly suburb southeast of Charlotte, Matthews offers strong schools, a tight-knit community feel, and a competitive real estate market popular with move-up buyers.
• Gastonia: One of the more affordable entry points in the greater Charlotte area, Gastonia is an increasingly attractive market for first-time homebuyers and investors looking for strong rental yields.
• Rock Hill: Just across the South Carolina border, Rock Hill is a popular choice for Charlotte commuters seeking more affordable home prices without sacrificing proximity to the city.
• Fort Mill: One of the fastest-growing communities in the Carolinas, Fort Mill offers top-rated schools, master-planned neighborhoods, and strong appreciation — making it a favorite for families relocating to the Charlotte area.
• Kannapolis: Home to a revitalized downtown and the North Carolina Research Campus, Kannapolis is an emerging market with strong investment potential and affordable price points.

Contact Our Charlotte Office

Phone:
980-326-4339