Our San Diego Headquarters
Griffin Funding is a leading mortgage lender in San Diego, offering several loan options designed to meet your needs even if you don’t qualify for a traditional mortgage. Learn more about us and the types of loan programs we offer, the areas we serve, and how you can get started with Griffin Funding.
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Welcome to Our San Diego Headquarters
Our San Diego office serves as the corporate headquarters of Griffin Funding, but we serve homebuyers and homeowners across California and nationwide. Our experienced loan specialists eliminate the hassle of finding the best mortgage lender in San Diego. We’re committed to transparency, speed, and quality service, so you can count on us when you need a loan.
Mortgage Solutions We Offer in San Diego
Griffin Funding offers a wide variety of mortgage solutions in San Diego, from non-QM loans to home equity solutions. Here’s a detailed breakdown of our loan options:
Non-QM Loans
- DSCR Loans: DSCR loans are based on the cash flow of a property instead of your personal income.
- Bank Statement Loans: If you can’t provide W-2s and tax returns, bank statement loans allow you to qualify for a loan using previous bank statements.
- Asset-Based Loans: These loans allow you to use assets as collateral to take out a secure loan, making them a popular choice for borrowers looking for investment property loans.
Traditional Mortgages
- Conventional Loans: This is the most common type of mortgage loan. To qualify, you must meet minimum credit score, debt-to-income (DTI), and down payment requirements.
- VA Loans: VA loans are available to active-duty service members, veterans, National Guard/Reserve members, and some surviving spouses. These loans have lower requirements and interest rates.
- FHA Loans: Federal Housing Administration (FHA) loans are government-insured loans for low and moderate income borrowers. FHA loans have more flexible requirements compared to conventional loans.
- USDA Loans: USDA loans offer financing with no down payment, but you must purchase a home in a designated rural or suburban area.
Home Equity Solutions
- Home Equity Loans: Home equity loans allow you to borrow money using your home equity as collateral, with loan amounts based on your equity.
- Home Equity Lines of Credit: A home equity line of credit (HELOC) allows you to open a line of credit based on how much equity you have in your home.
Refinancing Solutions
- Rate-and-Term Refinance: With a rate-and-term refinance, you can restructure your loan to lower your rate or change your loan term.
- Cash-Out Refinance: A cash-out refinance allows you to take out a cash loan by replacing your current mortgage with a larger loan.
Why Choose Griffin Funding?
Griffin Funding simplifies the mortgage process so you can focus on what matters most: finding the right property. Our corporate headquarters is located in San Diego, so we have deep knowledge of the San Diego real estate market that helps you simplify every transaction.
Our dedicated loan officers are committed to streamlining the underwriting process and fast pre-approvals, so you can start your search sooner and beat out the competition.
We’re committed to offering personalized service. With the Griffin Gold app, you can create a personalized homeowner blueprint, find out how much home you can afford, and learn how to boost your credit. And if you need help, our loan specialists are always ready to assist you.
Griffin Funding is also proud to support Shelter to Soldier, a San Diego-based nonprofit that rescues and trains shelter dogs to become psychiatric service dogs for post-9/11 combat veterans suffering from PTSD and other traumatic brain injuries. As a company rooted in the San Diego community with deep ties to the local military community, partnering with Shelter to Soldier reflects our commitment to serving those who have served our country — both inside and outside the mortgage process.
Areas We Serve
As a top mortgage lender in San Diego, CA, Griffin Funding proudly serves several parts of San Diego and the surrounding area. Here are some of the areas where we lend:
- Downtown San Diego: Home to Waterfront Park, Downtown San Diego is the premier entertainment spot in the city.
- La Jolla: This seaside community has a more rugged coastline, but it’s surrounded by natural beauty that makes it a top destination in the area.
- Chula Vista: Chula Vista is a city in San Diego county that’s known as the Lemon Capital of the World, offering a culturally diverse experience thanks to its location between San Diego and the Mexico border.
- Carlsbad: This nearby city is home to the Tamarack Surf Beach, making it one of the top destinations in the area for surfing, swimming, scuba diving, and other ocean activities.
- Oceanside: Home to Oceanside Harbor, this beautiful coastal community is known for its marina and shops as well as the California Surf Museum.
- Encinitas: Encinitas is a mid-size beach city in San Diego County, offering a combination of natural beauty and city amenities.
- Coronado: Coronado is a picturesque island city connected to San Diego by the iconic San Diego-Coronado Bridge, known for its pristine beaches, the historic Hotel del Coronado, and a charming small-town atmosphere that makes it one of the most desirable communities in Southern California.
- El Cajon: A diverse inland community in San Diego County, El Cajon offers more affordable entry points than coastal neighborhoods, making it a strong market for first-time homebuyers and investors.
- Escondido: One of San Diego County’s larger inland cities, Escondido offers a mix of suburban neighborhoods, wine country proximity, and strong rental demand.
- San Marcos: A fast-growing North County city home to Cal State San Marcos, San Marcos offers solid investment opportunities in both single-family and multi-family properties.
- Vista: Situated in North County, Vista is an increasingly popular market for buyers priced out of coastal communities, with a growing craft brewing scene and strong community feel.
- National City: Located just south of Downtown San Diego and adjacent to Naval Base San Diego, National City is a practical and affordable option for military families and first-time buyers.
Contact Our San Diego Office
Corporate Address:
Griffin Funding Inc.
2445 5th Avenue, Suite 401
San Diego, CA 92101
Business Hours:
Monday – Friday
9:00 AM – 7:00 PM PST
Phone Numbers:
Non-QM Loans: (855) 394-8288
Conventional & VA Loans: (855) 651-2871
Frequently Asked Questions
Griffin Funding’s San Diego office is located at 2445 5th Avenue, Suite 401, just north of Downtown San Diego and close to the airport.
The loan specialists at Griffin Funding specialize in non-QM mortgage products, including DSCR loans, bank statement loans, self-employed mortgages, and asset-based loans. We also specialize in VA loans, and we offer home equity solutions and refinancing solutions.
To find the best San Diego mortgage lender, focus on interest rates, loan options, and reviews. You can get pre-approved with Griffin Funding and compare interest rates and loan terms with other lenders.
Yes, Griffin Funding offers investment property loans in San Diego. Our loan specialists can help you find the best investment property loan based on your finances and the property you’re looking at.
you find the best self-employed mortgage based on your finances, whether that’s a bank statement loan, a 1099 loan, or another non-QM solution.
Yes, Griffin Funding offers refinance loans in San Diego. Our refinancing solutions include cash-out refinancing and term-and-rate refinancing.
You can apply online at Griffin Funding to get started with a San Diego home loan, or you can give us a call at (855) 762-0042 to speak with one of our loan specialists.
Yes, Griffin Funding proudly offers VA loans in San Diego. With one of the largest military and veteran communities in the nation — home to Naval Base San Diego, Marine Corps Air Station Miramar, Camp Pendleton, Naval Air Station North Island, and the Naval Amphibious Base Coronado, which serves as the primary training ground for the Navy SEALs — San Diego is one of the most active VA loan markets in the country.
Our loan specialists are experienced in helping active-duty service members, veterans, and surviving spouses take advantage of VA loan benefits, including no down payment requirements and competitive interest rates.
Yes, Griffin Funding offers jumbo loans in San Diego. With median home prices well above conventional loan limits in many San Diego neighborhoods — particularly in La Jolla, Coronado, and Del Mar — jumbo financing is often necessary. We offer jumbo loans up to $5 million, including options for self-employed borrowers and real estate investors.
Yes, Griffin Funding offers home loans for first-time homebuyers in San Diego and throughout San Diego County. Our loan specialists can walk you through available options including FHA loans, VA loans for eligible service members, and conventional loans with low down payment requirements to help you get into your first home.