Our Irvine Office

About Griffin Funding – Irvine Office

The team at Griffin Funding is a proud provider of mortgage solutions for homeowners and homebuyers in Irvine and throughout the state. Our Irvine office is conveniently located near the Irvine Spectrum business district, making the loan process even easier.

While our Irvine office serves homebuyers and homeowners throughout Orange County, Griffin Funding is licensed to lend in 46 states plus DC. Whether you’re relocating, investing in out-of-state properties, or simply prefer working with a nationally recognized lender with a local presence, our Irvine team is here to help.

Thanks to our team of loan specialists, we can provide personalized guidance for first-time homebuyers — including help navigating down payment assistance programs available in Orange County — as well as move-up buyers, veterans, self-employed borrowers, and real estate investors.

Mortgage Solutions We Offer in Irvine, CA

Our Irvine mortgage company offers a wide range of tailored mortgage solutions, from investment property loans to loans for traditional borrowers.

Non-QM Loans 

• DSCR Loans: If you want to apply for a loan based on the income your property generates, DSCR loans offer an alternative to conventional loans.

• Bank Statement Loans: Bank statement loans allow you to qualify for a loan using only bank statements if you can’t provide W-2s and paystubs.

• Asset-Based Loans: Asset-based loans are secured loans backed by assets like commercial or residential real estate, helping you get approved without meeting strict income requirements.

Traditional Mortgages 

• Conventional Loans: Conventional loans are the standard for homebuyers. To qualify for a conventional loan, you must meet income, credit score, and debt-to-income (DTI) requirements. 

• VA Loans: Active-duty service members, veterans, National Guard/Reserve members, and surviving spouses can qualify for VA loans with fewer requirements and favorable loan terms.

• FHA Loans: FHA loans are government-backed loans that have fewer requirements, making it easier to get approved if you qualify.

• USDA Loans: USDA loans are specifically designed for qualifying rural and suburban properties, allowing homebuyers to qualify for a loan with a 0% down payment.

Home Equity Solutions 

• Home Equity Loans: If you have equity in your home, you can tap into the equity with a home equity loan (HELOAN) to receive a lump sum loan payment.

• Home Equity Lines of Credit: Home equity lines of credit (HELOCs) also allow you to tap into your equity, but you can open a line of credit instead of taking out a lump sum amount.

Refinancing Solutions 

• Rate-and-Term Refinance: A rate-and-term refinance lets you negotiate the length of your loan or your interest rate to reduce total loan costs. 

• Cash-Out Refinance: With a cash-out refinance, you can tap into your home equity. A cash-out refinance will increase your total loan amount, but it can help you pay off high-interest debt and cover emergency expenses. 

Why Choose Griffin Funding? 

• Local real estate market knowledge: We’ve been working with homebuyers and homeowners in the Irvine and Orange County area for years, which means we have a deep understanding of the local real estate market that helps you streamline your next investment.
• Competitive interest rates: As one of the top mortgage companies in Irvine, CA, we can offer competitive interest rates that help you save money over the life of your loan. Unlike big banks and credit unions, Griffin Funding works with a wide network of institutional buyers and investors, which means we can shop for the most competitive rate available for your specific loan profile.
• Streamlined digital application process: With Griffin Funding, you can apply online and get pre-approved in as little as 24 hours. Our non-QM AI-driven underwriting platform speeds up the mortgage process. You can also use the Griffin Gold app to find out how much home you can afford and what you can do to boost your credit score to qualify for a loan.
• Dedicated loan specialists: We have dedicated loan specialists available to help you during business hours, so you can get help applying for a loan, understanding your loan options, or refinancing your home.
• Transparent communication: Our loan experts keep in touch with you from start to finish, keeping you updated on the status of your loan and helping you through every step of the process.

Areas We Serve

As one of the best mortgage lenders Irvine has to offer, Griffin Funding proudly serves a large community. Here are some of the areas where we lend:

• Irvine: As one of the safest cities in the United States, Irvine is a great market for real estate investors who are interested in high-end homes.
• Huntington Beach: Huntington Beach is a beautiful mid-sized community in the Orange County area, offering easy coastal access that homebuyers love.
• Tustin: From condos to high-end homes, Tustin is home to a mix of urban and suburban real estate that offers diverse investment opportunities.
• Lake Forest: Lake Forest is commonly rated as one of the safer communities in California, making it a popular destination for families.
• Newport Beach: Newport Beach is a premier destination for luxury homes, with a significantly higher median price than cities like Irvine and Huntington Beach.
• Costa Mesa: With a competitive real estate market that’s grown in recent years, Costa Mesa is a hotspot for investors.
• Santa Ana: One of the most populous and affordable cities in Orange County, Santa Ana offers a wide range of investment opportunities. 
• Mission Viejo: Home to Lake Mission Viejo, this family-friendly city is a great spot to invest in.
• Anaheim: Home to world-class entertainment and a diverse housing market, Anaheim offers a wide range of real estate opportunities for both homebuyers and investors.
• Orange: The city of Orange is known for its well-preserved historic downtown and mix of older character homes and newer developments, making it a unique market in Orange County.
• Yorba Linda: Known as the “Land of Gracious Living,” Yorba Linda is one of the more affluent communities in Orange County, with larger lot sizes and higher-end homes that often call for jumbo financing.
• Laguna Niguel: Laguna Niguel offers a desirable mix of coastal proximity, highly rated schools, and master-planned communities that appeal to families and move-up buyers.
• Laguna Beach: With its world-famous coastline and arts scene, Laguna Beach is one of the premier luxury real estate markets in Southern California.
• Aliso Viejo: One of Orange County’s newer cities, Aliso Viejo offers a well-planned community with strong schools and a growing base of condos and single-family homes.
• Fullerton: A college town with a vibrant downtown and diverse housing stock, Fullerton is an increasingly popular market for first-time homebuyers and investors alike.
• Garden Grove: One of the most affordable entry points in Orange County, Garden Grove offers strong investment potential and a culturally diverse community.

Contact Our Irvine Office 

Address:
100 Spectrum Center Dr Ste 470
Irvine, CA 92618 

Phone:
949-383-4030

Business Hours:
Monday – Friday
9:00 AM – 6:00 PM PST