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Loan Officer
JGGriffin Funding
Portrait of Justin Guthrie
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Justin Guthrie

NMLS ID 2328091
Loan Officer · San Diego, CA · NMLS ID 2328091
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Call Justin Direct line (619) 625-5125
San Diego
ConvDSCRBank Stmt19 five-star reviews12 states69+ loans closed at Griffin Funding
ExperienceMortgage industry since 2021

Became a licensed Mortgage Loan Officer in 2022.

Borrower fitInvestors & self-employed clients

Works with borrowers whose scenarios may require alternatives to traditional documentation.

Core specialtyDSCR & Bank Statement

Also brings experience with asset-based mortgage solutions.

ApproachResourceful & client focused

Evaluates practical financing paths around each borrower’s goals.

Professional biography

Justin Guthrie, Loan Officer

Helps real estate investors and self-employed borrowers evaluate Non-QM financing paths with clear, practical guidance.

Justin Guthrie is a Loan Officer at Griffin Funding in San Diego, California (NMLS #2328091), with mortgage experience focused on real estate investors, self-employed borrowers, and clients whose financing needs may require alternatives to traditional documentation. His areas of experience include DSCR loans, bank statement loans, and asset-based mortgage solutions.

Non-QM and Investment Lending Experience

Justin entered the mortgage industry in 2021 and became a licensed Mortgage Loan Officer in 2022. He has developed particular experience with DSCR loans for investment properties and bank statement financing for self-employed borrowers, helping clients understand how these programs evaluate income, property cash flow, and other qualifying factors differently from conventional lending.

A Resourceful, Client-Focused Approach

At Griffin Funding, Justin focuses on understanding each borrower's goals and then evaluating financing paths that fit the scenario. He values clear communication, practical problem-solving, and keeping the mortgage process approachable, whether he is helping an investor expand a portfolio, a self-employed borrower evaluate financing, or a homebuyer work toward a purchase or refinance.

Life Outside of Work

Originally from Fort Collins, Colorado, Justin is based in San Diego. Outside of mortgage lending, he enjoys traveling, basketball, camping, fishing, hiking, and spending time outdoors.

Full professional biographyScroll to continue
Client feedback

Client reviews

Showing 19 five-star Google reviews selected for this profile. Reviewer initials are shown for privacy.
HELOCInvestment PropertySecond MortgageRefinance
★★★★★Google review
“Once again, for the 5th time Shelly, Justin, Ashleigh and their team came through without a glitch. I had 2 weeks to close on my new purchase, and the professional high standard team flawlessly executed. It is comforting to know that this team can be called upon and trusted to close on time, without surprises, and smoothly. Thank you Justin for working tirelessly on the numbers, Shelly for constant communication with myself and all other parties involved, all 3 of you for the elite execution.-Stefan”
S.S.Griffin client · Aug 10, 2026
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★★★★★Google review
“Justin and Shell are absolute legends! I highly recommend both of them and Griffin Funding.”
K.S.Griffin client · Jul 27, 2026
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★★★★★Google review
“Griffin is very easy to work with. They are professional, friendly, and human, which goes a long way in this age of automation and AI assistants. Justin, Meagan, and Shahla thank you all for your help along the way. It was a pleasure to deal with each of you and I won’t hesitate to recommend Griffin Funding to others.”
C.S.Griffin client · Jul 27, 2026
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★★★★★Google review
“I had a great experience with Liz and Justin. The process went as smoothly as possible which when in NY can be a challenge. They worked through it as quickly and seamlessly as possible and got this closed out. Would use them again and recommend them to others.”
M.C.Griffin client · Jul 15, 2026
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★★★★★Google review
“Shell and Justin were absolutely wonderful to do business with. Prompt, communicative and honest. Absolutely recommend!”
J.S.Griffin client · Jul 15, 2026
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★★★★★Google review
“I would like to take a moment to thank Shell and Justin for helping me close my second loan with Griffin Funding. The experience was truly remarkable. Their communication, consistent follow-up, and ability to make the process smooth and seamless exceeded my expectations.You have some outstanding employees at Griffin Funding, and I sincerely hope they are recognized and taken care of the same way they take care of their customers. Their professionalism and dedication made all the difference, and I look forward to working with Griffin Funding again in the future.Thank you again, Shell and Justin, for your exceptional service!”
D.W.Griffin client · Jul 15, 2026
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★★★★★Google review
“We recently closed on a HELOC with Griffin, after struggling to find the right fit for our needs with other lenders. Justin was great at answering my questions from the very beginning (there were many), and Shell truly went above and beyond to ensure the finalization of our loan, as well as answered very many of my questions throughout the process too. She was always speedy with her replies and quick to find solutions to any issues, whether proactively or as they were presented. We are incredibly grateful for her and everyone else at Griffin who made this possible - Thank you!!!”
E.S.Griffin client · Jul 15, 2026
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★★★★★Google review
“Justin and Shahla were great from start to finish. I’ve been a real estate investor for 23 years and they made this one of smoothest transactions.”
S.M.Griffin client · Jun 15, 2026
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★★★★★Google review
“I had a great experience with Griffin Funding. Shahla and Justin were knowledgeable, responsive, and helpful throughout the process.What stood out most was their flexible mortgage options, including second mortgages on rental properties and equity loans on multifamily properties; options many traditional banks don’t offer.I highly recommend Griffin Funding, especially Shahla and Justin, for anyone looking for a mortgage company that understands real estate investing and provides excellent service.”
H.Griffin client · Jun 15, 2026
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★★★★★Google review
“Great experience from start to finish and Justin made everything smooth.”
N.A.Griffin client · May 15, 2026
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★★★★★Google review
“S and Justin were fantastic to work with throughout my refinance process. Communication was clear, timely, and professional from start to finish. Everything went smoothly, the signing was easy, and the funds were disbursed exactly as expected. I truly appreciate all their help and would highly recommend working with them.”
E.Griffin client · Mar 15, 2026
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★★★★★Google review
“Justin and Shell made this process quick and easy, and my experience was excellent! Many thanks to both of you and the rest of the team!”
M.H.Griffin client · Mar 15, 2026
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★★★★★Google review
“Justin, Shell and everyone else at Griffin Funding were amazing from start to finish. This is our 4th DSCR loan with Griffin Funding and we keep coming back to use them for a reason. Every deal is a smooth, seamless, quick, and efficient processs. Roadblocks happen throughout everytime, but they have an uncanny ability to navigate through them and adapt to every issue to achieve the end state of closing on an investment property on the terms that make sense to us. I can’t say enough about Griffin Funding. Highly recommend.”
C.S.Griffin client · Feb 15, 2026
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★★★★★Google review
“Outstanding service provided by Griffin Funding. This is my second loan with them, and as always, they are very professional and very efficient. We closed in less than 30 days. My loan officer, Justin Guthrie, made the entire process very smooth. Always responsive to my questions and finding out the best alternative for higher proceeds and better interest rate for my mortgage. I highly recommended Griffin Funding and the entire team.”
P.M.Griffin client · Oct 15, 2025
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★★★★★Google review
“Justin Guthrie and his team was amazing to work with at Griffin Funding. They were a key piece in my latest investment. They funded my property when no other company I called would. And the other companies said they wouldn't fund it because of the home location. It was right outside of the main city. I tried to explain to the other companies that there are a large amount of the population that like living in a country setting but being near a city its like people get the best of both worlds. But they weren't hearing it the other lenders had strict rules of law; unbreakable and unchangeable. But not with Griffin funding. They saw the same value in the property as I did and laughed when I told them what the other lenders said about funding my property. I got the property funded with Griffin Funding and within one month we had multiple applications for renters and got it rented quickly in a slow renting season.Is Griffin funding the cheapest? No. But are they reliable, efficient, responsive, clear communicators, reassuring, patient, flexible, and offers multiple loan options? Most definitely.If you are reading this and wondering should I call them. Yes, you should, it never hurts to get a free quote. Call them today. right now. Do it! Your next investment awaits!”
J.F.Griffin client · Oct 15, 2025
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★★★★★Google review
“Had a great experience working with Justin Guthrie, Jeanne Welton and Jen Brinson on a DSCR Home Equity loan. Justin was very positive with a "can do" attitude that immediately put me at ease following a very difficult process with another lender on a different property. Justin was able to recommend the best options for me, outline timelines, and from there the loan processors J&J took over and executed everything seamlessly and speedily so that the whole thing took less time than I expected and much faster than the other lender I worked with. Definitely recommend them to anyone who is an investment property owner seeking cash against your assets.”
K.Griffin client · Apr 15, 2025
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★★★★★Google review
“My experience with Griffin Funding was nothing short of exceptional! From start to finish, their team provided outstanding service, expertise, and efficiency, making the mortgage process seamless and stress-free.After leaving a message, KC promptly returned my call and connected me with Justin Guthrie, and I truly couldn’t have asked for a better loan officer. Justin was absolutely incredible! His deep knowledge of the mortgage process, ability to explain everything clearly, and unwavering patience made all the difference. He answered every question with confidence and precision, ensuring I understood every step. His professionalism, dedication, and genuine care for his clients set him apart—he’s simply the best in the business!I also had the pleasure of working with Andromeda Moreno, my loan processor, who was just as impressive! She was on top of every detail, responded to emails quickly, and made sure everything stayed on track. Her efficiency and commitment to excellent service made the entire process smooth and effortless.Griffin Funding exceeded my expectations in every way. If you want a mortgage team that is responsive, knowledgeable, and truly invested in your success, look no further. Justin, KC, and Andromeda are an absolute dream team! I am beyond grateful for their expertise and support—they made what could have been a stressful experience an absolute breeze.Thank you, Griffin Funding!”
L.D.Griffin client · Jan 15, 2025
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★★★★★Google review
“Justin, Lisa and Amanda were so amazing!! From initial contact to funding of the closing, everything was 5 star treatment. I felt like I was their only client. Even the closing went smoothly- they sent a mobile notary to my home and she was great too!!I would happily recommend them to all of my friends and family and hope to use them again formyself in the future.”
H.R.Griffin client · Dec 15, 2024
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★★★★★Google review
“I used Griffin funding to do a refinance. Justin was really helpful with getting the process started. Lisa and Molly were awesome as well making sure I was able to close on time. I will definitely recommend this company. Great team! Thank you Justin, Lisa, and Molly”
T.S.Griffin client · Feb 15, 2024
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Licensing shown reflects Griffin Funding’s recorded NMLS licensing and may not reflect recent changes. Confirm current licensing at NMLS Consumer Access.

Review summary

Client feedback at a glance

A summary of the client reviews shown on this profile.

5★rating of reviews shown
19reviews shown here
Aug 10, 2026most recent review shown
Googlereview source

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

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Self Employed
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Real Estate Investor
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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.
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