Griffin Funding$3.6B+Funded8,000+Clients10 minApplicationLoan programsBank StatementDSCRVAJumboHELOCConventionalGriffin Funding is a national direct mortgage lender based in San Diego, California. We underwrite in house, so we make the credit decision ourselves rather than passing your file to a third party.We specialize in borrowers whose income does not fit a standard W-2 box: self-employed business owners, real estate investors, and veterans. The online application takes about 10 minutes, and files move in days rather than weeks. Since 2013 we have funded more than $3.6 billion to over 8,000 clients.Loan programs we offerBank statement loans — qualify using 12 or 24 months of business or personal bank statements instead of tax returns. Built for self-employed borrowers, contractors, and business owners who write off heavily.DSCR loans — qualify an investment property on its own rental cash flow (debt service coverage ratio) rather than your personal income. No W-2s, no tax returns.VA loans — purchase and refinance options for veterans, active-duty service members, and eligible surviving spouses, including zero-down purchase loans.Home equity loans and HELOCs — including fixed-rate HELOCs and reverse second mortgages, for pulling cash out without touching your first mortgage rate.Conventional, FHA, USDA, and jumbo loans — the full traditional suite alongside our non-QM programs.What sets Griffin Funding apart?In-house underwriting and common-sense review, so self-employed income is not a dead end.A platform of institutional non-QM loan buyers, which is why we can place files other lenders decline.APPLY NOW(844) 305-2067Terms and conditions apply. Equal Housing Lender. NMLS# 1120111. (844) 305-2067. Visit griffinfunding.com
Griffin Funding (griffinfunding.com) has 82 customer reviews on Five Star Index, with an average rating of 4.6 out of 5.
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82 approved reviews, newest moderated first
Kathy K.
Joe Yaeger is a great loan officer. Been working with him for years and use him exclusively and refer everyone to him! If you want a great experience, try him out.
Response from Griffin FundingOct 14, 2026
Kathy, it means a lot that you’ve continued to work with Joe over the years and feel confident referring others to him. We’ll make sure he sees your kind words. Thanks for continuing to trust him with your business!
N L.
I had a great experience with a loan officer whose last name was Thomas when I applied for my loan. The loan process went smoothly, without any hiccups, because he was consistently available and always answered my calls. However, Thomas has since left the company, so I’m not sure whether the excellent service he provided reflected his personal professionalism or the company’s overall culture.
Response from Griffin FundingOct 14, 2026
We’re glad Thomas was consistently available and helped make your loan application such a smooth experience. We appreciate you sharing this, and we hope to provide that same level of service to you moving forward.
Encarnacion M.
Liz Singer was so patient with me, I told her that my computer skills were that of a toddler and she did “ baby sitting a toddler “ big time. I was able to do my paperwork because of her. Andre was precise and clear and kept me focused. Thank you!
Response from Griffin FundingOct 14, 2026
This made us smile, Encarnacion! It sounds like Liz had plenty of patience and helped you through every step, while Andre kept everything clear and on track. We’ll definitely share this with both of them!
Olivia
The loan officer made too many promises that he couldn’t follow through on. Spoke before actually have concrete answers which causes many issues and unforeseen circumstances. We will be using another company in the future.
Response from Griffin FundingOct 14, 2026
We’re sorry to hear about your experience, Olivia. We understand how frustrating it is when expectations are set before the details are confirmed, especially when it leads to unexpected issues. We appreciate you sharing this feedback and recognize how important clear, accurate communication is throughout the loan process.
Rory W.
Paid for a appraisal over a year ago now and have not been able to get ahold of the person
Response from Griffin FundingOct 14, 2026
Rory, we're sorry you've had such a difficult time getting a response about your appraisal. Waiting this long without being able to reach someone is understandably frustrating. We'd like the opportunity to look into what happened and help get you some answers
Ian B.
Wish for more follow up. More assistance and communication once funded.
Response from Griffin FundingOct 14, 2026
We appreciate you bringing this to our attention, Ian. Support and communication shouldn't stop once a loan is funded, and we're sorry you haven't received the follow-up and assistance you were hoping for.
Mariela E.
Got what we wanted.
Response from Griffin FundingOct 14, 2026
Sometimes getting exactly what you needed says it all! We’re happy we could help, Mariela. Thanks for taking a moment to share your experience!
KAREN F.
I have no words strong enough to show my appreciation and gratitude for all the hard work in assisting me with my home loan! Thank you so very much!!!!
Response from Griffin FundingOct 14, 2026
Karen, your kind words mean so much! We’re happy our team could help you with your home loan, and we’ll be sure to share your appreciation with everyone who helped along the way.