Sarah Howell
Sr. Loan Officer - San Diego, CA NMLS# 1333968
Sarah Howell is a Montana native and seasoned mortgage professional with a Bachelor of Science in Finance from the University of Montana. Since 2015, she has been a trusted advisor at Griffin Funding — and today stands as one of San Diego’s most accomplished specialists in VA loans, DSCR financing, and Bank Statement loans.
Her numbers and reviews speak for themselves: as of March 2026, Sarah has helped 655 families finance over $292 million in real estate — including more than 350 VA loans totaling $178.87 million, 65+ Bank Statement loans totaling $27.2 million, and 57+ DSCR loans totaling $13.92 million.
Licensed in 28 states and counting, Sarah brings a consultative approach that goes beyond the transaction. Whether she’s guiding a veteran through a VA purchase with zero down, helping a self-employed entrepreneur qualify using 12 or 24 months of bank statements, or structuring a DSCR loan for a real estate investor based on rental income rather than personal tax returns — Sarah focuses on the complete financial picture and the long-term outcome, not just the rate.
Her clients range from active-duty service members and veterans to business owners and seasoned real estate investors. What they share is an appreciation for Sarah’s ability to simplify complex loan structures, move with urgency, and deliver results when it matters most.
Based in San Diego’s Little Italy neighborhood, Sarah spends her free time outdoors, traveling, exploring the city’s food scene, and catching films with friends.
