Charles Toll

Sr. Loan Officer - San Diego, CA NMLS# 1783114

Prior to joining Griffin Funding in March 2020, Charles worked with Quicken Loans as a banker specializing in refinancing VA and Jumbo Loans.  He brought a work ethic and customer service level instilled by nearly a decade in fine dining.

“I worked with many great people who helped shape who I have become and where I have landed.  When I worked in restaurants, I had a friend and manager who preached that the main reason people return is the quality of the food and the experience a restaurant can provide.  In addition, I knew that the main reason people don’t become repeat clients is because of the service. That model has allowed me to be successful [in] making a transition into lending,” Charles explains.

“I do not work in sales; I work with people, and without delivering on the promises I make, my business model is hollow,” Charles says bluntly.

At Griffin Funding, Mr. Toll’s mission goes beyond helping you secure a loan—it’s about empowering you to build wealth through real estate. Whether you’re buying your first home, refinancing, or investing, he specializes in crafting personalized lending solutions.

With expertise in bank statement loans, asset-based financing, DSCR, and VA loans, Charles has helped clients achieve their goals even in the most complex financial situations. As a Southern California native and a licensed professional in 25 states, he has a deep understanding of San Diego’s thriving real estate market, from the beachfront charm of Coronado to the family-friendly neighborhoods of Rancho Bernardo. What makes Charles unique is that most loan officers don’t have local expertise with national reach. If a San Diego client is looking to purchase an investment property in Utah, most local-only loan officers would not be able to assist their client and would have to refer them to someone else.

As of November 2024, Charles has helped over 334 clients finance over $150,000,000 in real estate loans during his tenure at Griffin Funding. Charles has assisted:

  • 125+ veterans finance $55M in VA home loans
  • 69+ real estate investors finance $21M in DSCR loans
  • 62+ self-employed business owners finance $35M in bank statement loans
  • 7+ high-net-worth individuals finance $7M in asset-based loans

Needless to say, Charles’ financial expertise benefits his clients and has resulted in many 5-star reviews. Charles will focus on your unique situation – you will not be treated like a number.

Why San Diego is Ideal for Real Estate Wealth

San Diego is more than a beautiful city—it’s one of the most competitive and rewarding real estate markets in the U.S. Here’s why:

1. High Demand and Limited Supply

With neighborhoods like La Jolla, Del Mar, and Carlsbad, San Diego offers strong appreciation and consistent demand for housing.

2. Economic Growth

The city’s tech, biotech, and military industries attract professionals, fueling demand for properties in areas like Sorrento Valley and Downtown San Diego.

3. VA Loan Accessibility

Home to major military bases like Naval Base Coronado, San Diego is a top location for veterans to utilize VA loans, offering zero down payment and competitive rates.

4. Neighborhood Diversity

From the luxurious estates of Rancho Santa Fe to the trendy streets of North Park, San Diego has a neighborhood for every buyer.

The Loan Process Made Simple

Step 1: Book an Appointment with Me!

We’ll start with a conversation to define your goals, whether buying a first home in Chula Vista, investing in a rental property in Pacific Beach, or any of the other 25 states that I am personally licensed in.

Step 2: Discuss Your Goals

I’ll create a tailored strategy to fit your needs. If you’re self-employed, bank statement loans may be the solution to bypass traditional income documentation. For veterans, I’ll guide you through leveraging VA loan benefits for homes near Camp Pendleton or Naval Air Station North Island.

Step 3: Total Cost Analysis (TCA)

With a Total Cost Analysis, I’ll present loan options, savings, and payment scenarios side by side, ensuring you make informed decisions.

Step 4: Apply for Your Loan

Once your plan is in place, I’ll help you complete your loan application, gather documents, and ensure smooth processing—whether it’s a VA loan, asset-based loan, or traditional financing.

Step 5: Meet Your Operations Team

My experienced team manages underwriting and closing to make the process seamless, whether purchasing a luxury home in La Jolla or refinancing in Encinitas.

Specialized Loan Solutions

Bank Statement Loans

Perfect for self-employed borrowers, these loans use bank deposits instead of W-2s to verify income. For example, I’ve helped entrepreneurs in Little Italy secure financing for homes in Rancho Bernardo.

Asset-Based Lending

Designed for high-net-worth individuals, these loans use liquid assets for qualification.

VA Loans

With no down payment, no PMI, and competitive rates, VA loans are ideal for veterans buying homes in Coronado or Oceanside.

DSCR Mortgage Loans

Ideal for real estate investors looking for a streamlined way to acquire rental properties. Investors can qualify based on the gross rental income of the property rather than their tax returns.

San Diego’s Top Neighborhoods

● La Jolla: Luxury homes with stunning coastal views.
● Rancho Bernardo: Spacious homes, excellent schools, and family-friendly vibes.
● Coronado: Small-town charm with proximity to military bases.
● Carlsbad: Suburban living with beach access and vibrant downtown.
● North Park: A trendy, walkable area for young professionals and first-time buyers.

Key Questions to Ask a Lender

When choosing a lender, it’s essential to look beyond rates. Consider these key questions:

1. What is your approach to customer service, and how do you support clients throughout the mortgage process?

2. Can you provide information about your company’s reputation and customer reviews?

3. How does your institution handle potential challenges or delays in the mortgage process?

4. What educational resources or guidance do you offer to help borrowers make informed decisions?

5. What is your long-term relationship approach with clients after the mortgage is secured?

6. How are you, as my advocate in this transaction, compensated?

Let’s Build Wealth Together

Whether you’re buying a home in Rancho Bernardo, investing in a rental in Mission Beach, or refinancing in Carlsbad, I’m here to guide you every step of the way. I’m in the business of helping homeowners build financial freedom through real estate

Book your appointment today, and let’s turn your real estate goals into reality!