Mortgage Solutions

Our Mortgage Solutions

Whether you’re self-employed, looking to refinance, investing in property, or trying to avoid PMI, these tailored mortgage solutions can help you achieve your goals while keeping your finances on track.

Self-Employed Mortgages

Self-employed mortgages provide tailored home loan options for those with non-traditional income sources. These mortgage solutions cater to self-employed borrowers who may find it challenging to qualify for conventional loans. Your lender will assess your eligibility using alternatives like bank statements, assets, or rental income instead of traditional W-2s or tax returns.

Common self-employed mortgage options include asset-based loans, bank statement loans, and some conventional loan programs. Additionally, government-backed loans like FHA loans, VA loans, and USDA loans offer flexible terms, while DSCR loans focus on rental property income.

Furthermore, home equity loans are also available for self-employed individuals who want to tap into their property’s value. Ultimately, these diverse home mortgage options help self-employed borrowers find the right loan to match your unique financial situation.

Mortgage Refinance Solutions

Refinancing your mortgage helps you adjust your current loan to better suit your financial goals. Whether you’re looking to lower your interest rate, shorten your loan term, or access your home’s equity, refinancing offers flexible home loan options.

For example, a rate-and-term refinance lets you secure a lower monthly payment or faster payoff schedule. On the other hand, a cash-out refinance allows you to convert equity into cash for big expenses or investments. Additionally, self-employed individuals can take advantage of specialized mortgage loan options like bank statement refinancing that cater to unique income structures.

Overall, refinancing gives you the opportunity to optimize your mortgage, improve your financial outlook, and enjoy more manageable payments, all while keeping your home working for you.

Investment Property Loans

Investment property loans give you the flexibility to purchase or refinance rental properties or second homes, whether it’s a single-family home, condo, planned unit development (PUD), or a multifamily 2–4 unit dwelling. These mortgage solutions let you grow your portfolio or unlock equity for other opportunities.

With diverse mortgage options like conventional loans, DSCR loans, bank statement loans, and even government-backed programs like VA and FHA loans, you can choose the financing that works best for you.

Additional home mortgage options for investors include home equity loans, asset-based loans, and private money loans, all designed to meet unique investment goals. Whether you’re seeking steady rental income or long-term property appreciation, investment property loans provide the tools to make your real estate plans a reality.

No PMI Home Loan

No PMI home loans help you save on monthly costs by eliminating private mortgage insurance (PMI), making homeownership more affordable over time. Our no PMI mortgage option allows you to avoid mortgage insurance, even when putting down less than 20% of the home’s purchase price. 

Several mortgage loan options also offer routes for avoiding PMI. Government-backed loans like VA and USDA allow you to skip PMI, perfect for first-time buyers or those with smaller down payments. Non-QM loans, such as near miss jumbo loans, bank statement loans, DSCR loans, and asset-based mortgages, also come without PMI requirements.

You can also avoid PMI by making a 20% down payment, using a piggyback loan, or exploring home buyer assistance programs. All of these options let you focus on building equity in your home instead of paying extra fees, giving you more financial flexibility while achieving your homeownership goals.

Why Choose Griffin Funding?

Griffin Funding is dedicated to providing tailored mortgage solutions with excellent customer service, a simplified loan process, and several loan options available.

• Customer service: Our customer service team works hard to make sure your needs are met, whether you need help submitting documents or answers to your questions about the lending process.
• Various loan options: Griffin Funding offers several types of loans, including specialty mortgages like bank statement loans for self-employed borrowers and DSCR loans for investors.
• Tailored mortgage solutions: We take the time to understand your financial situation and offer mortgage solutions that work for you, including a range of specialty mortgage services.
• Quick processing: As a digital mortgage lender with a streamlined approval process, we can process, approve, and fund your loan faster so you don’t miss out on your dream home.
• Licensed lenders: Griffin Funding has an experienced team of licensed specialty mortgage lenders, so you can count on us to deliver tailored mortgage solutions and a better client experience.

Explore Mortgage Resources

Consider the following tools that give you the insights you need to confidently navigate your mortgage loan options.

• Griffin Gold app: Stay organized and connected with our user-friendly app designed to streamline your mortgage process.
• DSCR calculator: Calculate your debt service coverage ratio to see if a DSCR loan is right for your investment property.
• DSCR refinance calculator: Find out if you’re eligible for a DSCR refinance loan based on your rental income.
• VA loan calculator: Estimate your monthly payments and affordability when using a VA loan.
• VA loan affordability calculator: Calculate how much house you can afford with a VA loan.
• Bank statement loan calculator: Calculate potential loan amounts based on your bank statement income.
• Bank statement loan refinance calculator: Use bank statements to estimate potential savings, LTV ratio, and qualified income.
• Cash-out refinance calculator: See how much cash you can access and how refinancing will impact your loan.
• Rent vs buy calculator: Compare the short- and long-term costs of renting vs buying a home.
• Biweekly mortgage calculator: Calculate your biweekly mortgage payment to compare it to your monthly payment.
• Blended rate calculator: Determine the combined interest rate when consolidating loans.
• Debt consolidation calculator: See how consolidating debts into your mortgage can lower overall payments.
• 2/1 buydown calculator: Explore how temporary interest rate reductions can make your payments more manageable.
• Down payment calculator: Learn how your down payment affects total interest, loan cost, and your monthly budget.
• Closing cost calculator: Estimate your total closing costs based on purchase price and other factors.
• DTI ratio calculator: Find your debt-to-income (DTI) ratio to see if you can qualify for a loan.
• Capital gains tax calculator: Figure out your real estate capital gains tax liability if you choose to sell a property.
• Mortgage payoff calculator: Calculate time and interest savings when using alternative repayment strategies like additional payments.
• Home affordability calculator: Find out how much home you can afford based on your income, debts, and more.

Learn More About Your Mortgage Options

Finding the right mortgage solution is key to achieving your homeownership and financial goals. Whether you’re exploring options for self-employed mortgages, refinancing, investment property loans, or eliminating PMI, there’s a solution tailored to your needs. With the right guidance, you can take control of your future and make smart financial moves that benefit you for years to come.

At Griffin Funding, we’re here to help you every step of the way. Our personalized approach, competitive rates, and helpful tools make the mortgage process seamless and stress-free.

For more information, visit our home buying FAQs and contact us today to take the next step toward your goals. Let us help you find the right mortgage solution for your needs!