Griffin Funding
Call Griffin Funding
  • About
  • VA Home Loans
  • Non-QM Loans
  • Bank Statement Loans
  • DSCR Loans
  • Apply Online
  • Request a Quote
  • Traditional Mortgages
  • Where We Lend
  • Blog
  • VA Home Loans
  • NON-QM Loans
  • Bank Statement Loans
  • DSCR Loans
  • Traditional Mortgages
  • Where We Lend
About Us Blog
Get Started 855-374-4847
Blog About Us Contact Us Our Team Careers Get Started 855-762-0042
Menu
Skip to content
  • Self Employed Loans
    • Bank Statement Loans
    • Asset Based Loans
    • 1099 Loans
    • P&L Loans
    • 6 Month SOFR Loans
  • Investment Loans
    • DSCR Loans
    • Private Money Loans
    • RTL Financing – Fix&Flip, Bridge
  • Home Equity Loans
    • Home Equity Line of Credit (HELOC)
    • Home Equity Loans
    • First-Lien HELOC
    • Fixed Rate HELOC
    • DSCR HELOANs & HELOCs
    • Piggyback Loans
    • Reverse Second Mortgages
  • VA Home Loans
    • VA Purchase Loan
    • VA Streamline Refinance
    • VA Cashout Refinance
  • All Non-QM Loans
    • DSCR Loans
    • Bank Statement Loans
    • Asset Based Loans
    • 1099 Mortgage Loans
    • P&L Loans
    • Flex Jumbo Loans
    • 6 Month SOFR Loans
    • Foreign National Lending
  • Traditional Mortgages
    • Conventional Loans
    • FHA Loans
    • USDA Loans
    • Reverse Mortgages
    • Jumbo Loans
  • Where We Lend
← Back to our team
Open full profile
Loan Officer
JFGriffin Funding
Portrait of Justin Ferrara
Status unavailable

Justin Ferrara

Loan Officer · Scottsdale, AZ
Start Application Secure online application Apply now →
Book Consultation Schedule a conversation Schedule now →
Call Justin Direct line (520) 658-2952
Scottsdale
DSCR1 five-star reviewDirect contact
ExperienceMortgage professional since 2020

Background includes Presidents Club Banker experience at Rocket Mortgage.

EducationArizona State University

Earned a bachelor’s degree before building his mortgage career.

Core specialtyQM & Non-QM solutions

Focus includes DSCR and Bank Statement lending.

ApproachTransparent & proactive

Identifies potential challenges early and structures guidance around client goals.

Professional biography

Justin Ferrara, Loan Officer

Combines high-volume banking experience with transparent guidance across purchase, refinance, investor, and self-employed borrower scenarios.

Justin Ferrara is a Loan Officer with Griffin Funding in Arizona with mortgage lending experience dating to January 2020. His background spans purchase and refinance transactions, Qualified Mortgage (QM) and Non-QM lending, and financing strategies for real estate investors and self-employed borrowers. He focuses on structuring mortgage options around each client's financial profile, property, and long-term goals.

Mortgage Lending Experience

Justin earned his bachelor's degree from Arizona State University and previously worked at Rocket Mortgage, where he was a Presidents Club Banker. That experience gave him a strong foundation in borrower qualification, mortgage underwriting guidelines, purchase and refinance lending, and managing loan scenarios across a range of financial circumstances.

Non-QM, DSCR, and Bank Statement Lending

In 2022, Justin expanded his focus into Non-QM mortgage lending, including DSCR loans for real estate investors and bank statement loans for self-employed borrowers. This experience helps him evaluate situations where traditional income documentation may not tell the full financial story. Whether a client is financing an investment property, expanding a real estate portfolio, or qualifying through business cash flow, Justin works to identify potential issues early and explain the available financing path clearly. He emphasizes transparency throughout the process so borrowers understand how their documentation, property, and loan structure affect the options available to them.

Life Outside of Work

Originally from Long Island, New York, Justin now lives in Scottsdale, Arizona. Outside of mortgage lending, he enjoys playing tennis, traveling, and spending time with his family. He brings the same goal-oriented approach he developed in competitive lending environments to helping clients navigate both traditional and alternative mortgage scenarios.

Full professional biographyScroll to continue
Client feedback

Client reviews

Showing 1 five-star review selected for this profile. Reviewer initials are shown for privacy.
ResponsiveFlexible options
★★★★★Public mortgage review
“Justin was great to work with! Very responsive and willing to pivot to other options when things were tricky. Highly recommend!”
K.L.Griffin client · Jun 18, 2026
View on SocialProof

Ready to work with Justin?

Start your application, schedule a consultation, or call Justin directly.

Start ApplicationBook ConsultationCall Justin

  • Mortgage Loan Resource Center
  • VA Loan Tips
  • Bank Statement Loan Tips
  • DSCR Loan Tips
  • Mortgage Tips
  • Request a Quote
.
  • VA Mortgages
  • VA Purchase Mortgages
  • VA Cash Out Mortgages
  • VA Streamline Refinance Mortgages
  • VA Mortgage Brochure
  • Non-QM Mortgages
  • Bank Statement Mortgages
  • DSCR Investor Mortgages
  • Asset Utilization Mortgages
  • Private Money Mortgages
  • Step by Step Process
  • Request a Quote
  • Client Reviews
  • VA Loan Testimonials
  • Non-QM Loan Testimonials
  • Calculators
  • DSCR Loan Calculator
  • VA Loan Calculator
  • 2/1 Buydown Calculator
  • Debt Consolidation Calculator
  • Bank Statement Calculator
  • Blended Rate Calculator
  • VA Loan Affordability Calculator
  • Connect
  • Yelp
  • Facebook
  • LinkedIn

Download the
Griffin Gold app

Griffin Funding, Inc. NMLS Unique Identifier: 1120111
VA Approved Lender ID: 9088650000
FHA Non-Supervised Lender No.: 01472-0000-3

State Licensing
This material is not from HUD or FHA and has not been approved by HUD or any government agency. Griffin Funding specializes in VA Home Loans, DSCR Loans and Bank Statement Loans.

Griffin Funding encourages the use of publicly available website content for informational and educational purposes. Nothing in this statement grants rights beyond those permitted by applicable law.

© 2013 - 2026, Griffin Funding, Inc. All Rights Reserved Privacy Policy, Terms of Use, California Consumer Privacy Act

Which best describes you?
Please select an option
Self Employed
Select this option if you work for yourself and not an employer.
VA Eligible
If you are a current service member or veteran select this option.
Real Estate Investor
Select this option if you invest in income-producing rental properties.
Other
Select this option if none of the other 3 options apply.
What is the loan purpose?
Please select an option
Purchase
A purchase loan can be used to buy a home.
Refinance
A 'rate and term' refinance allows you to improve the terms of your existing mortgage by lowering the monthly payment. A 'cashout refinance' allows you to convert equity into cash.
Home Equity
A home equity loan or line of credit is a 2nd mortgage that allows you to convert equity to cash without having to touch your existing 1st mortgage.
Tell us more about yourself…
Field Required
Field Required
*We take your privacy seriously, this information will never be shared or distributed to third parties.
Tell us more about yourself…
Minimum loan amount $100,000. Field Required
Phone number must be 10 digits
Please enter a valid e-mail address
Field Required
By completing this form, you consent to receive text messages from Griffin Funding and agree to Griffin Funding's Terms of Use and Privacy Policy. Messaging frequency varies. Standard message and data rates may apply. Expect important notifications about our services, updates on upcoming meetings and replies from your dedicated representative. For HELP, reply "HELP" at anytime. You can opt out at any time by replying "STOP" to any message.