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Sr. Loan Officer
SHGriffin Funding
Portrait of Sarah Howell
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Sarah Howell

NMLS ID 1333968
Sr. Loan Officer · San Diego, CA · NMLS ID 1333968
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San Diego
Refinance57 five-star reviews27 states and DC
Client reviews57 five-star reviews

Five-star Google reviews selected for this profile.

Clients mentionProfessional service & responsive communication

What clients mention most often in their reviews.

Loan typesRefinance & VA

Loan types mentioned most often in client reviews.

LicensingLicensed in 27 states and DC

NMLS ID 1333968 · recorded licensing.

Client feedback

Client reviews

Showing 57 five-star Google reviews selected for this profile. Reviewer initials are shown for privacy.
Home PurchaseInvestment PropertyCash-OutSecond Mortgage
★★★★★Google review
“I can’t recommend Griffin Funding highly enough! After working with two other lenders that were slow to respond and ultimately not very professional, finding Griffin Funding was such a refreshing experience.I was applying for a nontraditional loan, and from day one Sarah, Molly, and Nina were outstanding. They were always quick to respond, kept me updated throughout the entire process, and took the time to answer every question I had. Their communication, professionalism, and genuine willingness to help made all the difference.Instead of making me feel like just another file, they made me feel supported every step of the way. They worked hard to find a solution and always followed through on what they promised.Thank you, Sarah, Molly, and Nina, for making this such a positive experience. I truly appreciate everything you did, and I wouldn’t hesitate to recommend Griffin Funding to anyone looking for a knowledgeable, responsive, and trustworthy lending team.”
S.L.Griffin client · Aug 10, 2026
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★★★★★Google review
“Sarah is professional, knowledgeable, helpful, friendly, and very communicative. She helped guide me through multiple scenarios and ultimately helped me to select the best product that fit my needs. She's honest, transparent and had a great follow-through ability to help me from start to finish.”
R.A.Griffin client · Jul 15, 2026
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★★★★★Google review
“I had the pleasure of working with Sarah, Nina, and Nick during the purchase of my home, and I couldn't have asked for a better team. They were responsive, communicative, and professional throughout the entire process. They kept me informed every step of the way, answered all of my questions promptly, and made the home-buying experience much less stressful. Their expertise and dedication were evident from start to finish. I highly recommend Sarah, Nina, and Nick to anyone looking for a smooth and positive home-buying experience!”
M.S.Griffin client · Jun 15, 2026
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★★★★★Google review
“I had a very positive experience working with Sarah and Nina. I appreciated Sarah’s creative, solutions-oriented approach. Nina demonstrated consistency and efficiency throughout the loan process. Both were highly accessible and consistently responsive, ensuring clear and timely communication.”
A.B.Griffin client · May 15, 2026
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★★★★★Google review
“Sarah, Nina and the lender team are exceptional at getting us through the lending process. Also our realtor Kristi Manion is one of a kind when it comes to getting thing done. Couldn't be happier with the outcome of our second purchase through this organization.”
K.D.Griffin client · Mar 15, 2026
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★★★★★Google review
“Sarah and Nina were very patient during the process”
C.P.Griffin client · Feb 15, 2026
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★★★★★Google review
“Sarah, Nina and Andrea always make the mortgage process seamless from start to finish! This is my second loan completed within the last couple months with no issues and fast closings. Thanks again to the team!”
J.J.Griffin client · Feb 15, 2026
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★★★★★Google review
“It was game changing experience working with Sarah and her Griffin team. Especially for independence contractors this is the best company to the loans Sarah and her team where in constant touch and made a successful experience. I reconnect 100%”
G.B.Griffin client · Nov 15, 2025
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★★★★★Google review
“Sarah and her team are great to work with! I have my own business so finding a lender was a bit challenging. Sarah and her team got it done quickly and efficiently! I look forward to working with them again and highly recommend them. Thank you so much Sarah!”
L.M.Griffin client · Nov 15, 2025
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★★★★★Google review
“Sarah, Ashley, and Nina went above and beyond in helping me buy my first home. I thought the process would be chaotic, but it was not and I owe that to Sarah, Ashley, and Nina!! Thank you for all your help and guidance.”
D.G.Griffin client · Sep 15, 2025
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★★★★★Google review
“Great service from a great team at Griffin. Sarah and Nina were quick, efficient, and communicative. I always knew status without ever having to reach out.”
P.B.Griffin client · Jul 15, 2025
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★★★★★Google review
“Sarah, Ashley, Nina at Griffin and Joanne at the title company, even down to my initial call with I believe his name was Chris was amazing. The ladies worked hard and kept me abreast of everything timely. They really went above and beyond. I will gladly refer any of my friends and family to them!”
B.M.Griffin client · Jul 15, 2025
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★★★★★Google review
“⭐⭐⭐⭐⭐Sarah, Molly & Nina at Griffin Loan were great! They made the whole process easy, kept me informed, and were so friendly and professional. Highly recommend!”
J.K.Griffin client · Jul 15, 2025
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★★★★★Google review
“I had a great experience working with Sarah and Nina. From first contact to funding a cash-out refinance of my rental property was 15 days! It is by far the fastest and easiest mortgage transaction I have ever experienced.”
C.W.Griffin client · Jun 15, 2025
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★★★★★Google review
“Working with Griffin Funding was an absolute breeze! Colby, Sarah, and Nina were nothing short of amazing throughout the entire process. Their customer service was top-notch, professional, responsive, and genuinely caring. Communication was clear and consistent from start to finish, and they moved everything along so quickly! It's rare to find a team so dedicated and efficient. If you're looking for a smooth and stress-free experience, I highly recommend Griffin Funding!”
D.L.Griffin client · Jun 15, 2025
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★★★★★Google review
“We highly recommend! Nina, Sarah and Nick helped us out in every way possible for this new journey to be home owners! They had answers for all of our questions by phone, email or text. Thank you so much!”
L.A.Griffin client · Jun 15, 2025
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★★★★★Google review
“Sarah Howell is our go-to person. I’m extremely sporadic, and when I find something I’m determined to get, I’m relentless. Sometimes, it doesn’t always work out, but she’s always there to work with us and answer our questions, even though most of these requests end up going nowhere for her. This time around, we found a piece of property, and I needed to get a second mortgage loan. She answered all of our questions quicker than anyone else and made the process much simpler than anywhere else. Two very important things. (◜‿◝ )♡Thanks for an awesome experience, again!”
K.R.Griffin client · May 15, 2025
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★★★★★Google review
“This team of Sarah, Jeanne and Molly were incredible. They were attentive, and ready to answer any questions we asked. Their compassion and time were invaluable to us in this process. I would highly recommend them and would look forward to working with them in the future.”
J.R.Griffin client · Jan 15, 2025
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★★★★★Google review
“My journey with Griffin Funding was easy, quick, and seamless. I contacted Griffin via their online form. Sarah reached out within hours and got a phone call scheduled. On our phone call we went over what was possible and then Sarah followed up with an email covering everything we had talked about. After deciding what route we wanted to go, Jeanne and Molly reached out to get the proper documents, processed our loan, and even set up a mobile notary to come to our house to sign the closing paperwork. I never had to reach out multiple times to find answers, I never had to wonder where we were in the process, and I never had to question if Griffin was working in our favor or not. Making a big purchase or refinancing seems like a daunting task but Sarah, Jeanne, and Molly made everything easy. I highly recommend them!”
S.G.Griffin client · Jan 15, 2025
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★★★★★Google review
“Sarah and Colby were very knowledgeable and pleasant to work with!”
R.B.Griffin client · Nov 15, 2024
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★★★★★Google review
“I was really impressed of how fast my resume refi loan process. Sarah and Jeanne have done an incredible joj in putting together and closing my loan in a short amount of time. I will definitely use Griffin Funding in the future.”
A.L.Griffin client · Nov 15, 2024
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★★★★★Google review
“Sarah and her team were amazing. They fast tracked the whole loan process and were able to accommodate every change in a good timely manner. The total process took one month from start to end and that’s with all of the changes that took place. Absolutely amazing!!!”
T.R.Griffin client · Jul 15, 2024
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★★★★★Google review
“I am very pleased with Kayla Baucom, Ashley Torgerson, Kristi Manion, Sarah Howell, and Kari Krasovic. Great team!”
D.R.Griffin client · Jul 15, 2024
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★★★★★Google review
“Sarah, Deanna, and Emily were great to work with! The process was smooth/seamless from start to finish. Would definitely recommend them for your mortgage needs!”
A.D.Griffin client · Apr 15, 2024
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★★★★★Google review
“Great professionals team. I worked Ben, Lisa, Sarah and Molly . all very helpful”
S.C.Griffin client · Jan 15, 2024
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★★★★★Google review
“The funding team that helped me at Griffin funding: Sarah, Kayla, and Ashley are lending rock stars! Many single words describe them - some of which are professional, experienced, hard-working, thorough, honest, genuine, detailed, giving real peace of mind to clients looking for a mortgage. They’re not artificial toward the client and you get a true sense that they really care. Plus, you can get a hold of them anytime. All of them are incredibly friendly, winners in their field for sure, and delivered exactly the results I wanted!”
T.D.Griffin client · Nov 15, 2023
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★★★★★Google review
“This was my 5th loan process I’ve gone through , and I’d say that there was always someone to fill me in , catch me up and do everything necessary or within their power to bring this to fruition as quickly as possible. It was also my first complete online lender experience and I will be returning for future investment properties. I’d like to say a special thanks to the specific Team members that went above and beyond. Sarah Howell, Shaydah R., Dani Kammann, Christine Williams and Nick Jeffrey. Thank you all.”
B.Z.Griffin client · Jul 15, 2022
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★★★★★Google review
“Working with Sarah and Shayda was a pleasure from the get-go - even on the other side of the country! They were quick to answer all of our questions and gave me plenty of information walking us through our refi. From start to payout was only about 4 weeks. Their fees were on par or better than the other lenders I spoke with and they ended up matching the lowest rate we were offered. I would gladly work with them again if the need arises.”
R.L.Griffin client · Apr 15, 2022
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★★★★★Google review
“Sarah and Shayda are so wonderful. They are very dedicated and awesome. They worked with me and my husband on our loan from beginning to end and was very supportive throughout the whole process. Thank you guys very much!!!”
S.S.Griffin client · Apr 15, 2022
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★★★★★Google review
“I was so fortunate to find Griffin Funding to help with a refinance of my home in San Diego that we have owned for over 12 years. My situation was a little different than your usual mortgage lenders were used to dealing with and Sarah Howell recognized that I was still an excellent candidate for a new loan. Sarah and Shayda were fantastic to work with. From the first contact to the funding of the loan, they were on top of everything and dealt swiftly with any roadblocks that came up. Their understanding of the whole process was amazingly thorough and complete. I would wholeheartedly recommend them and their company to anyone interested in funding a loan. Sincerely, Stuart S.”
S.S.Griffin client · Apr 15, 2022
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★★★★★Google review
“Griffin Funding was outstanding out of the gate and all the way to closing. Sarah and Ali paid close attention to our needs and schedule and got everything done for us in record time. Great company, very much appreciated. Would recommnend them over and over.”
P.S.Griffin client · Mar 15, 2022
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★★★★★Google review
“Great company! Shayda and Sarah walked me through the process!”
G.H.Griffin client · Feb 15, 2022
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★★★★★Google review
“This is the second time I used Griffin Funding to refinance my home. Sarah and Lexie were a pleasure to work with. This team is always there to answer any question you might have the process was smooth and easy. They are always in constant communication with you through out the process. I have recommended many of my Soldiers to them and they have all been appreciative and satisfied with this lending instatution.”
D.G.Griffin client · Jan 15, 2022
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★★★★★Google review
“Grififn Funding was very easy to work with and they gave a competitive rate on a mortgage refinance. I would use them again. Shayda and Sarah provided a seamless process, responded quickly to all concerns and facilitated good communication throughout the process.”
D.S.Griffin client · Dec 15, 2021
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★★★★★Google review
“Shayda and Sarah did a great job. The process took a little longer than I expected but it was much worth it. Thanks a ton!-Brandon”
B.M.Griffin client · Dec 15, 2021
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★★★★★Google review
“This is our second time using Griffin Funding, and I think that says a lot, given the amount of lenders out there that our still hounding me to contact them! Sarah (for the second time) and Shayda are the best! Very responsive, very friendly, very knowledgeable and understanding!We will always go through Griffin if and when needed!”
K.W.Griffin client · Dec 15, 2021
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★★★★★Google review
“Our loan just closed with a lower interest rate and we couldn't be happier. Griffin served us well and got us what we wanted. Thank you Sarah and Shayda, you kept us informed throughout the process. I recommend Griffin Funding.”
K.S.Griffin client · Oct 15, 2021
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★★★★★Google review
“Very easy refi. Sarah and Elishia were great!”
C.H.Griffin client · Jul 15, 2021
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★★★★★Google review
“I have used Griffin Funding now twice...once for my initial VA loan and most recently for refinancing that loan. I can say that working with both Sarah Howell and Lexie Estrada was extremely professional and efficient and I can highly recommend their firm for any of your home financing needs. They are a great firm to work with!”
J.L.Griffin client · Jun 15, 2021
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★★★★★Google review
“I chose this company to refinance my home. Sarah and Elishia made the process fast and simple. They answered my questions at any time of the day. My experience was great and I will choose Griffin again for any future home financing services.”
C.V.Griffin client · Jun 15, 2021
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★★★★★Google review
“I have used this company THREE times and they always did what they said! They did not make any moves that would adversely effect me. My girls Sarah and Christine were very attentive to my concerns and time frames. Will not use anyone else because they do what they say! I can trust them.”
F.D.Griffin client · May 15, 2021
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★★★★★Google review
“Thanks to griffin funding for making my dream home a reality.Sarah and Kristi are awesome. Both worked so well in ensuring I got the loan I needed for my home purchase. Also thanks for being patient with me throughout the down payment/401k hurdles. I'd recommend you guys to anyone ! Great professionals.”
C.N.Griffin client · Apr 15, 2021
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★★★★★Google review
“My wife & I had the pleasure of being served by Ms. Sarah Howell & Ms. Elishia Ortiz who both consistently met excellent professional work performance standards and effectively communicated with us by genuinely listening to our concerns and promptly responding with attractive meaningful options. They provided much courtesy, answered all our questions, significantly explained our home loan transaction details, were ever so patient, and never personally took any tough questions. Without hesitation, I recommend Ms. Sarah Howell & Ms. Elishia Ortiz as trustworthy professionals, among the highest caliber, with more than ample knowledge, skills, and abilities concerning mortgage loans for military veterans. Respectfully Mario & Patricia Posada”
M.P.Griffin client · Apr 15, 2021
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★★★★★Google review
“Another successful refi thanks to Sarah and Jeff, excellent execution with outstanding communication throughout the process. Couldn't be happier!”
J.B.Griffin client · Apr 15, 2021
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★★★★★Google review
“We have used Griffin Funding for our last 3 re-fi’s and I could not think of a better more efficient, well run company. They take all the worry out of all that getting a loan entails. I must commend Shayda and Sarah Howell on their knowledge, expertise, follow up and general professionalism. I would not use any other company. Hats off to these 2 women and the love, caring and general “get it done” attitude. Well done ladies!”
C.M.Griffin client · Mar 15, 2021
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★★★★★Google review
“Since 2016, as interest rates decreased, we have had the pleasure of working three times with Sarah Howell and her team. Each time they guided us through all the requirements of the VA in an exceptional manner. They were responsive,. knowledgeable, prompt and certainly courteous! I highly recommend Sarah and Lexie and can't thank them enough for their great service.”
S.B.Griffin client · Jan 15, 2021
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★★★★★Google review
“If your wanting optimum professionalism, team approach in assisting your needs, straight shooter no frills knowledge you need Sarah and the Griffin Funding team. I’m a two time customer and very appreciative of the great service.”
G.H.Griffin client · May 15, 2020
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★★★★★Google review
“I have owned my home since 1985 and have done several refi's. Sarah Howell and her team have been professional, efficient and committed to their customers. I just recently received an email indicating my VA loan is eligible for a lower interest rate. I contacted Sarah (my second loan with Griffin) and she immediately started the process. Meaghan Allen is amazing and has kept me up to date with the process.I highly recommend Griffin as my experience with them has been exceptionalAnthony L. Perez DDS”
A.P.Griffin client · Apr 15, 2020
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★★★★★Google review
“Sarah Howell was terrific from beginning to funding day.”
R.M.Griffin client · Mar 15, 2020
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★★★★★Google review
“Griffin Funding is totally amazing!! They completed our Va refinance in exactly 30 days from application to funding and did it over the Thanksgiving/Christmas holiday season! Sarah and Meagan could not be more professional. They are incredibly proficient, knowledgeable and reliable and got the job done!! We ended up with an extremely competitive rate and could not be happier. We highly recommend Griffin Funding to anyone !”
W.H.Griffin client · Jan 15, 2020
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★★★★★Google review
“Sarah and Kristi were very professionals and always made themselves available to answered all my question during my process also given me clear information about the loan process, thank you both!!I been calling Sarah for several of my loans during the past 12 years, when every I need FHA or VA loan or refi Sarah has done wonders for my family. Thank You Sarah it's appreciative having you around; that I just pick up the phone and call you for the latest interest rate available and your suggestions on a better deal. Once again thank you!!”
R.S.Griffin client · Aug 15, 2019
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★★★★★Google review
“Sarah and her team are awesome. They are very responsive, caring, intelligent and experienced. She kept us informed the entire time, was quick to respond and made us feel like she had our best interests in mind. Thanks so much!”
A.T.Griffin client · Jun 15, 2019
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★★★★★Google review
“Though it's been a few years since I last did my refinance with Griffin Funding, they still have the same great team that helped me with my VA loan. I still don't believe I could have made a better choice than to work with them. They helped to make my process as easy as it possibly could be and was not the headache that I was expecting it to be especially when I have experience with doing a few refi's in the pass. I'm truly grateful to all the wonderful help I received from Sarah and her team! if I'm ever in the market to do so again, I know exactly who I want to talk to and take care of my business with! Still feel the same as I felt when we did so. Thank you Griffin Funding for going the extra miles to make me feel that way!”
A.W.Griffin client · May 15, 2019
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★★★★★Google review
“My girlfriend and I used Griffin Funding to purchase our house in the summer of 2017 and our experience was nothing short of spectacular! The whole team at Griffin worked very hard to push the buying process along and were always on top of every detail. Our main points of contact through the process were Colby and Sarah who did an outstanding job explaining the process to us newbies, helped us determine affordability and got us a killer rate on our loan! What made Griffin Funding really stand out for us was the relation they have with our realtor. We used Lyons Realty which is located in the same building as Griffin which made the process very easy as well as quick and efficient.Overall, I would recommend Griffin Funding to anyone looking for a mortgage broker, and especially so to those using Lyons Realty for their purchase!”
R.H.Griffin client · Nov 15, 2017
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★★★★★Google review
“Sarah and Kristi did an amazing job with our Refi. Our refis were not easy (ours never are, for a myriad of reasons) and Sarah and Kristi did an amazing job with both our home and our investment property refis. We get offers from other companies all the time and they can't even compete with the work Sarah and Kristi did. They were so responsive and always on it. I would absolutely recommend!”
N.W.Griffin client · Jun 15, 2017
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★★★★★Google review
“Posted on Yelp Dec 17I have been getting solicitations by mail though the US postal Service regarding refinancing of my home for several years. I finally decided to respond to them. The contact that I had with some of the solicitors left me wondering if I really wanted to refinance my home.I contacted Sarah Howell at Griffin Funding and it was like a breath of fresh air. Sarah was instrumental in getting me set up in the refinance process. She put to rest my concerns about refinancing and introduced me to Sara Demarest who held my hand (electronically) through the process.With the help of Sarah and Sara, along with the backing of William Lyons (CEO) the refinance went very well.My heartfelt thanks to Sara Demarest, Sarah Howell, William Lyons and the rest of the Griffin Funding staff for a job well done.Joseph Christopher Donnelly”
C.D.Griffin client · Apr 15, 2016
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★★★★★Google review
“We can't thank Griffin Funding enough for all of the work they put in for completing our refinance. The customer support was unbelievable, and we always felt like they were available to answer questions. Sarah Howell (Sr. Mortgage Consultant) was the first person who made contact with us about the process. She was extremely knowledgeable and quickly matched us up with Sara Demarest (Account Manger), who would go on to do the majority of the work required for our refinance. We can't say enough good things about Sara D. She really went above and beyond to ensure she was always available, staying late just to wrap things up so whatever was needed the following morning was ready for the person responsible for the next part of the process. She ensured that the process kept moving forward, even when she was not in the office (which seemed rare- I swear she works nonstop). If you want someone you can count on, she is your woman! She was so personable and so reliable - you can absolutely trust that she will get things done while going above and beyond ensure it is on time. A couple of other people we had the pleasure of working with were Lien King (Sr. Loan Processor) and William Lyons (President & CEO). These two stepped in to assist us when needed, and they were both very helpful and personable during our interactions. We had never done a refinance or a VA loan, so there was a little bit of a learning curve on what was required from us, but we will say that Griffin Funding is the company you want to handle all of your home-buying or refinancing needs. We will absolutely use Griffin Funding in the future! THANK YOU FOR ALL OF YOUR HARD WORK! You all were (are) amazing!”
H.D.Griffin client · Mar 15, 2016
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Review summary

Client feedback at a glance

A summary of the client reviews shown on this profile.

5★rating of reviews shown
57reviews shown here
Aug 10, 2026most recent review shown
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Loan officer profile

Sarah Howell, Sr. Loan Officer

Sr. Loan Officer whose clients describe professional service and responsive communication across refinance and VA scenarios.

What Sarah does

Refinance & VA

57 five-star client reviews highlight professional service and responsive communication across refinance and VA scenarios.

RefinanceVAHome Purchase
Responsibilities

Day to day

  • Reviewing your scenario and loan options
  • Structuring and pricing your loan
  • Guiding you from application to closing
Client reviews

57 five-star reviews

Five-star Google reviews selected for this profile appear above. Reviewer initials are shown for privacy.

Profile details

San Diego

Sr. Loan Officer, San Diego. NMLS ID 1333968 · Recorded licensing in 27 states and DC.

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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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