Mortgage Solutions
Navigating the world of mortgages doesn’t have to feel overwhelming. With the right solutions tailored to your needs, you can turn homeownership, refinancing, or property investment into a straightforward and rewarding experience.
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KEY TAKEAWAYS
- Our mortgage solutions cater to self-employed borrowers, investors, those looking to refinance, or anyone seeking out alternative lending options.
- We offer a wide range of mortgage solutions that provide borrowers with a level of flexibility and customization that they may not get with traditional loan options.
- Griffin Funding delivers excellent customer service, competitive rates, and mortgage options that are tailored to a borrower’s goals and finances.
Our Mortgage Solutions
Choosing the right mortgage may seem complicated, but exploring your options makes the process much easier. 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, VA, 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.
Think you qualify for a loan? Contact us today to find out!
Contact UsInvestment 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 mortgage solutions that cater to your unique situation. From self-employed borrowers to those looking to refinance, invest in properties, or eliminate PMI, we offer personalized home loan options designed to meet your goals. Our team takes the time to understand your financial needs, guiding you through solutions like bank statement loans, DSCR loans, and government-backed programs.
With a focus on competitive rates and exceptional service, Griffin Funding ensures your mortgage process is smooth and hassle-free. Whether you’re buying your first home, expanding your property portfolio, or lowering monthly payments, we’re here to make your journey easier. At Griffin Funding, you’ll find a trusted partner committed to helping you achieve your homeownership and investment dreams.
To get more insight into the level of personalized service we provide, take a look at our reviews from previous customers and explore our company’s core values and core focus on our about us page.
Begin the application online or request a free quote today!
Contact UsExplore Mortgage Resources
Griffin Funding offers a range of tools and resources to simplify your mortgage journey and help you make informed decisions. 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.
- VA loan calculator: Estimate your monthly payments and affordability when using a VA loan.
- Bank statement loan calculator: Calculate potential loan amounts based on your bank statement income.
- 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.
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. Griffin Funding is ready to help make your journey smoother and your home-owning dreams a reality. Let us help you find the right mortgage solution for your needs!