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Loan Officer
MMGriffin Funding
Portrait of Matt McCarthy
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Matt McCarthy

NMLS ID 2709142
Loan Officer · Irvine, CA · NMLS ID 2709142
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Call Matt Direct line (949) 867-4583
Irvine
DSCR3 five-star reviews2 states58+ loans closed at Griffin Funding
SpecialtyDSCR only

A practice focused on a single investor-lending category.

Best fitReal estate investors

Supports borrowers acquiring or expanding rental-property portfolios.

Qualification lensProperty cash flow

DSCR financing centers on the property’s income relative to debt obligations.

Operating baseIrvine

Loan Officer based in Irvine.

Client feedback

Client reviews

Showing 3 five-star Google reviews selected for this profile. Reviewer initials are shown for privacy.
DSCRRefinance
★★★★★Google review
“I had a great experience refinancing my DSCR loan, and I couldn't be happier with the service I received. Matt, Jen, and Elia were all incredibly helpful throughout the entire process. They were knowledgeable, responsive, and always took the time to answer my questions and keep me updated every step of the way.The refinance went smoothly, and they made what can sometimes be a complicated process feel simple and stress-free. Their professionalism, communication, and attention to detail really stood out.If you're looking for a team that truly cares about their clients and knows how to get the job done, I highly recommend working with Matt, Jen, and Elia. Thank you all for making my DSCR refinance such a great experience!”
R.T.Griffin client · Aug 3, 2026
View on Google
★★★★★Google review
“Matt McCarthy, Deanna, and Adriana Perez were very responsive and professional during the funding process. They helped expedite what could have been a lengthy loan application process”
R.W.Griffin client · Jan 15, 2026
View on Google
★★★★★Google review
“Matt and Nina handled my loan application with exceptional efficiency. It’s wonderful to have a team that understands your financial goals and helps you reach them without delay.”
N.T.Griffin client · Jan 15, 2026
View on Google
Licensing

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2states

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
3reviews shown here
Aug 3, 2026most recent review shown
Googlereview source
Entity summary
Overview

DSCR-only lending support for real estate investors

Matt McCarthy is a Griffin Funding Loan Officer in Irvine, California focused exclusively on DSCR lending. His public positioning is intentionally narrow, giving investors a direct route to a specialist in business-purpose financing for rental-property acquisition and portfolio growth.

Best for

Investor use cases

  • Purchase financing for rental properties
  • Portfolio expansion
  • Borrowers seeking DSCR-specific guidance
Why Matt

Narrow specialty

Matt's value is his focused lending niche: DSCR loans for investors who want a specialist rather than a generalist.

Frequently asked

What Matt can help clarify

Yes, especially if your scenario centers on DSCR financing and rental-property cash flow qualification.
His public profile emphasizes investor lending and a streamlined DSCR-focused process for acquisition and expansion scenarios.

Ready to work with Matt?

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

Start ApplicationBook ConsultationCall Matt

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Griffin Funding, Inc. NMLS Unique Identifier: 1120111
VA Approved Lender ID: 9088650000
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Which best describes you?
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Self Employed
Select this option if you work for yourself and not an employer.
VA Eligible
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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?
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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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