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Griffin Funding Reviews 

77
•
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Evaluating 66 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the dedicated staff for providing exceptionally clear guidance and professional support, making the entire loan application process remarkably smooth and completely stress-free. Consumers also deeply appreciate the exceptionally quick turnaround times, accessible representatives, and highly responsive communication from the team from the beginning until final closing. However, some people mentioned experiencing occasional communication delays, extended wait times for replies, and a noticeable lack of consistent follow-up regarding their inquiries or ongoing loan status. A few reviewers were not happy with delayed responses, unreturned phone calls, and unmet expectations from their designated loan officers after completing the initial steps.

What people talk about most

Service

Customers had positive experiences with service, often highlighting prompt communication and quick, seamless... See more

Staff

Reviewers highlight positive aspects of staff, praising representatives for being patient, professional, and... See more

Customer service

Users describe positive interactions with customer service, noting that reviewers appreciated the detailed... See more

Response time

Consumers find response time to be a source of great satisfaction, expressing appreciation for quick answers... See more

Reviews shaping this summary

Rated 5 out of 5 stars

My funding needs sit outside conventional loans, so I found Griffin on social media. The team was excellent, especially Liz. She coordinated every moving part and kept things on track through closing.... See more

Company replied

Rated 5 out of 5 stars

Greetings, I have just recently dealt with several companies to obtain a HELOC loan. Some of the loan officers about 5 of them had taken it upon themselves to refinance my loan at 2.25% to give me a c... See more

Company replied

Rated 5 out of 5 stars

I just completed a DSCR financing with the Griffin Funding. The team I worked with, Matthew McCarthy and Summer Castillo did an excellent job from the beginning to the closing. I had done quite a few... See more

Company replied

Rated 5 out of 5 stars

Both Matt M. (Loan Officer) and Summer C. (Mortgage Loan Partner) made this an unusually smooth and stress free experience. They told me the process would take 25-30 days from application to closing... See more

Company replied


Company details

  1. Mortgage Lender
  2. also in
  3. Finance Broker
  4. Financial Consultant
  5. Loan Agency
  6. Mortgage Broker
  7. Non-Bank Financial Service

About Griffin Funding

Written by the company

Griffin Funding
$3.6B+
Funded
8,000+
Clients
10 min
Application
Loan programs

Griffin 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 offer

  • Bank 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.

Terms and conditions apply. Equal Housing Lender. NMLS# 1120111. (844) 305-2067. Visit griffinfunding.com

The Griffin Guarantee

Most lenders stop thinking about your loan the day it closes. We don't.

We treat your mortgage as something we manage, not something we sold you. After closing we keep watching the market against your rate and terms, and when refinancing would genuinely save you money we call you. You do not have to track rates yourself or wait for a mailer, and if the numbers do not work we tell you that too. That relationship is the point. It is why most of our business comes from clients and referrals rather than lead lists.

Contact info

Griffin Funding

Griffin Funding: self-employed, investor, VA loans. Apply in 10 min.


4.5

Excellent

TrustScore 4.5 out of 5

77 reviews

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This company invites their customers to review, whether positive or negative

Replied to 77% of negative reviews

Typically replies within 1 week

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4.5

All reviews

(77)

74 reviews in the last 12 months

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Rated 5 out of 5 stars

Andre / Sabrina - Set a high bar for Griffin



Andre's knowledge is truly impressive. When we ran into options that weren't ideal, he didn't just stop there. He came back with smart alternatives that helped us reach the same goal, and in some cases an even better outcome. It was clear he was thinking creatively on our behalf and had our best interests in mind.

Thanks to their efficiency and attention to detail, we closed within 30 days of a signed contract, which felt almost unheard of. Everything moved smoothly, communication was clear, and we always knew what to expect next.

If you want a team that's knowledgeable, efficient, and genuinely invested in getting you to the finish line, Andre and Sabrina are the ones to call. Highly recommend!

25 September 2026
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Reply from Griffin Funding

We’re so glad Andre and Sabrina were able to keep things moving and find solutions when the original options weren’t quite right. Closing within 30 days is fantastic, and it sounds like their communication and attention to detail made the process that much easier. We’ll definitely pass this along to them!

Rated 5 out of 5 stars

Satisfactory Experience with Griffin…

Satisfactory Experience with Griffin Funding
​I had a very satisfactory experience working with Griffin Funding and the entire team involved in my refinancing process for 4306 E Arizona Dr in Pocatello, Idaho. Everyone was professional, attentive, and easy to work with from start to finish. A special mention goes to Shala, whose help made a huge difference in keeping everything running smoothly. I highly recommend Griffin Funding and their dedicated team to anyone looking for reliable financing!

25 September 2026
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Reply from Griffin Funding

We’re glad Shala was able to make such a difference throughout your refinance! It’s great to hear the whole team was professional and easy to work with from beginning to end. Thank you for the recommendation, Servando!

Rated 5 out of 5 stars

★★★★★ Exceptional Service

★★★★★ Exceptional Service – Nina Made the Process Seamless!
Working with Nina Francini, my Loan Partner and primary contact at Griffin Funding, was an absolute pleasure from start to finish. I was applying for and closing on a DSCR loan for one of my investment properties, and she truly went above and beyond to make the deal happen.
Nina was consistently responsive, polite, highly qualified, and exceptionally conscientious about every detail of her work. Anyone who has applied for a loan knows how arduous and overwhelming the endless requests for paperwork can be, but Nina kept the entire process structured and manageable.
What stood out to me most was her problem-solving mindset. Whenever a bump in the road came up, she didn't take the easy way out—she actively found real solutions to keep everything moving forward to a smooth closing.
Great job, Nina! If you're an real estate investor working with Griffin Funding, you couldn't be in better hands. Highly recommended!

24 September 2026
Unprompted review
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Reply from Griffin Funding

Greg, we love hearing this! Sounds like Nina really went the extra mile to keep everything manageable and find solutions when things came up. We’ll make sure she sees your kind words. Thank you for trusting us with your DSCR loan!

Rated 5 out of 5 stars

Trey and Shell were great and did an…

Trey and Shell were great and did an amazing job of explaining everything throughout the process on our loan!

23 September 2026
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Reply from Griffin Funding

We’re glad Trey and Shell took the time to explain everything and keep you informed throughout the process. That can make a big difference when you’re navigating a loan. Thanks for sharing this, Todd!

Rated 5 out of 5 stars

What an extremely smooth and seamless…

What an extremely smooth and seamless process. Everything went very well. I’m thankful for all the reps who helped me navigate each step in the process and the continued communication along the way. Very thankful for Mr Joe Yaeger
who assisted me with every option available to get to this point. He was great and thank you again. See you at the next closing.

Laytonya Carter

9 September 2026
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Reply from Griffin Funding

We’re so glad everything came together smoothly, Laytonya! It sounds like Joe and the rest of the team did a great job helping you navigate your options and keeping you informed along the way. We’ll be happy to see you at the next closing!

Rated 5 out of 5 stars

Great service

Trey at Griffin Funding was great, Very knowledgeable, Very helpful, I would recommend them to everyone..

21 September 2026
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Reply from Griffin Funding

Thank you, Scott! We’re glad Trey was able to help and answer your questions along the way. We really appreciate the recommendation!

Rated 5 out of 5 stars

Highly Recommend - DSCR Financing

I just completed a DSCR financing with the Griffin Funding. The team I worked with, Matthew McCarthy and Summer Castillo did an excellent job from the beginning to the closing. I had done quite a few financing since the early 2000's and working with the Griffin team was one of the best experiences. The rate and fee were competitive as well. Highly recommend.

18 September 2026
Unprompted review
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Reply from Griffin Funding

Grace, we really appreciate this! It means a lot to hear that, after years of financing experience, working with Matt and Summer was one of your better experiences. We’ll definitely be sharing this with them!

Rated 5 out of 5 stars

Best experience with Griffin Funding

Best experience with Griffin Funding. Trey and Liz remained in communication and answered every question with extreme detail and care. I have the upmost respect for this company…

13 September 2026
Unprompted review
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Reply from Griffin Funding

Taji, this is so nice to hear. Trey and Liz will be happy to know how much you appreciated their communication and attention throughout the process. Thank you for trusting us with your financing!

Rated 5 out of 5 stars

Like a well-oiled machine.

My funding needs sit outside conventional loans, so I found Griffin on social media. The team was excellent, especially Liz. She coordinated every moving part and kept things on track through closing. Griffin runs like a well-oiled machine. I look forward to working with them again.

28 July 2026
Unprompted review
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Reply from Griffin Funding

We’re glad Liz was able to keep all the moving pieces on track for you! It sounds like she really went above and beyond to make sure everything stayed on course. We’ll be sure to let her know!

Rated 5 out of 5 stars

I had a perfect experience with Griffin…

I had a perfect experience with Griffin Funding which I think is one of the best in the lending business. Easy access to a real person who answers questions without making you feel like a burden. Follow-up after funding is also a plus

22 September 2026
Unprompted review
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Reply from Griffin Funding

We love hearing that! Having someone you can actually reach when you have a question makes such a difference during the lending process. Thanks for sharing this, Kit!

Rated 5 out of 5 stars

Do not be afraid!! Great home buying experience.

I was very nervous doing a loan that many people even myself, have never heard of. Denise made herself available anytime I had a question. I had lots of worries but she had none. From the beginning, she told me everything was good. And it was, it turned out fantastic. No major issues whatsoever. I provided the documents that they asked for when they asked for them without delay. And the loan closed in thirty days. Denise and her team were fantastic. And I would recommend griffin funding to any person that is self employed!! Tax returns are not the end all be all. My bank account shows truly what I bring in every month and honestly. I feel everyone should use that!! If I purchase again in the future, I will definitely reach out. Thank you for allowing me to buy a home.

16 September 2026
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Reply from Griffin Funding

Tina, congratulations on your new home! We’re so glad Denise was able to give you the reassurance you needed and make the process feel less intimidating. We’ll definitely share this with Denise and her team!

Rated 5 out of 5 stars

We are repeat clients for a reason

We are repeat clients for a reason! Griffin is great to work with. From the initial loan application to funding is always quick and seamless. We sincerely appreciate Justin and Shell for their care and expertise in getting our home loan closed without any hiccups. We will use Griffin Funding again in the future.

17 September 2026
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Reply from Griffin Funding

We always love seeing a repeat client come back to us! Thank you for continuing to trust Griffin with your financing. It sounds like Justin and Shell took great care of you again!

Rated 5 out of 5 stars

"Great experience working with Griffin…

"Great experience working with Griffin Funding for the refinancing of my property at 1760 Old Pacolet Rd. They approved my loan quickly and kept the process smooth. Huge thanks to Steve and Mayra for their excellent work, guidance, and professional support from start to finish. Highly recommended

20 September 2026
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Reply from Griffin Funding

Thank you, Jonathan! We’re glad Steve and Mayra were able to make the refinance process smooth and were there to guide you along the way. We’ll make sure they see this!

Rated 5 out of 5 stars

Fast, Successful Refinance Closing with Helpful Follow-Through

Overall, I had a good experience with Griffin Funding. I first spoke with the team on August 21 and closed my investment-property refinance on September 17—an efficient timeline that was especially important because I needed the cash-out proceeds by a particular date.

The team was helpful in getting the loan through underwriting, clear to close, and into a mobile-notary signing. When I raised questions, my loan officer responded and helped provide clarification, including corrections to the final payment estimate and resolution of insurance-related questions before signing.

My advice to future borrowers is simply to stay engaged through the final days: review every cost worksheet and closing document carefully, ask for clarification on escrow, insurance, cash-out figures, servicing, and any prepayment-penalty terms, and request a direct title or closing contact for signing-day questions—particularly if you are in a different time zone.

Despite a few last-minute details that required follow-up, Griffin Funding delivered a successful closing on a fast timeline and helped me access the funds when I needed them.

17 September 2026
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Reply from Griffin Funding

Michelle, thank you for such a thoughtful review and for sharing the details of your experience. We’re glad the team was able to get everything across the finish line in the timeframe you needed. We also appreciate the feedback on the areas where we can make the process easier.

Rated 5 out of 5 stars

Kent and Jessie are amazing

Kent and Jessie are amazing! Their transparency, professionalism, and proactive approach ensure that everything runs seamlessly, helping us reach the closing table without any issues. We genuinely appreciate both of them for their dedication and support. I look forward to the opportunity to work with them again on future deals!

15 September 2026
Unprompted review
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Reply from Griffin Funding

Shemeeka, it sounds like Kent and Jessie really kept things moving for you! We’re glad their communication and proactive approach helped everything come together smoothly. We’ll be sure to share this with them!

Rated 5 out of 5 stars

Such an easy process

Such an easy process! I worked with Nikolas Contreras. He was helpful on the phone with my questions. I was able to do everything else online and the HELOC funded in less than 2 weeks from application.

31 August 2026
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Reply from Griffin Funding

Under two weeks is great to hear! We’re glad Nikolas was able to answer your questions and that the rest of the process was easy to handle online. Thanks for sharing, Jennifer!

Rated 5 out of 5 stars

Easy experience

Easy experience. No real issues. Everything was pretty smooth.

9 September 2026
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Reply from Griffin Funding

We’re glad it was an easy one! Sometimes the best experience is when everything just goes smoothly. Thanks for sharing this with us, Donna!

Rated 4 out of 5 stars

Easy Application Process, but Limited Support for Complex Situations

The Overall, my experience with Griffith Funding was positive, and most importantly, they were able to successfully fund my home equity line of credit.

The application process itself was easy and straightforward. Where I experienced challenges was when my application involved more complex questions or situations that didn’t necessarily fit neatly within the standard criteria. There was no opportunity to speak directly with a live representative or underwriter by phone to explain the circumstances or work through different scenarios. Most communication was handled through chat or AI, which made the process feel very black-and-white.

In my past lending experiences, being able to speak with a loan representative or underwriter has been helpful when additional explanation or clarification is needed. I think having that option would have made the process smoother and potentially helped the loan fund sooner.

That said, we ultimately worked through the issues and Griffith Funding was able to get my HELOC funded, which I appreciate. I would recommend them for the simplicity of the application process, but I think adding access to live support for more complex lending situations would greatly improve the overall customer experience.initial application was easy

9 September 2026
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Reply from Griffin Funding

Thank you for the honest feedback, Niwonna. We’re glad we were able to get your HELOC funded, and we appreciate you calling out both what worked well and where more direct support could have helped.

Rated 5 out of 5 stars

★★★★★ **Five Stars

★★★★★ **Five Stars — Exceptional Service from Sarah and Nina at Griffin Funding**

There are companies that process loans, and then there are people who understand that behind every loan is an actual person trying to accomplish something important. Sarah and Nina at Griffin Funding fall firmly into the second category.

This is my second loan with Griffin Funding, and I have worked with Sarah for years. There is a reason I came back.

Sarah is exceptional at what she does. Financing is rarely a perfectly straight road—there are hurdles, questions, unexpected issues, and occasionally moments when you wonder whether something can actually get done. Sarah seems to have an extraordinary ability to look at a hurdle and immediately start looking for the way around it.

She doesn't simply tell you what can't be done. She looks for what **can** be done.

She worked tirelessly to structure the loan, explore the available options, and keep things moving until we found the right path forward. That kind of persistence is increasingly rare. You never feel as though you're simply another file sitting on someone's desk. You feel as though someone is genuinely invested in getting you to the finish line.

Once Sarah had everything moving in the right direction, Nina stepped in and was equally impressive.

Nina is remarkably efficient. Paperwork gets handled quickly, questions get answered clearly, and communication is effortless. She also has something that can't really be taught: she is simply very good with people. She's personable, professional, organized, and genuinely pleasant to work with.

And then there is their responsiveness.

I've worked with Griffin Funding for years, and throughout that time I have typically received responses within about 20 minutes—which by itself is extraordinary in the lending business. With Nina, there were occasions when I received an answer in less than five minutes.

That matters.

When you're dealing with financing, uncertainty creates stress. Waiting hours or days for someone to answer a simple question can make an already complicated process unnecessarily frustrating. Sarah and Nina remove much of that anxiety because you know that when something comes up, someone is actually going to respond.

That creates trust.

Ultimately, the best compliment I can give Griffin Funding is also the simplest: **I came back.**

After completing one loan with them, when I needed financing again, I went back to Sarah and Griffin Funding. And after my experience this time with both Sarah and Nina, I would do it again without hesitation.

If you're looking for a lender where people answer their phones, respond to their emails, look for solutions instead of excuses, and genuinely work to get a difficult transaction across the finish line, I cannot recommend Griffin Funding—and particularly Sarah and Nina—highly enough.

**Five stars, without hesitation.**

11 September 2026
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Reply from Griffin Funding

Eric, this was such a great review to read. The fact that you came back to Griffin for a second loan says a lot, and we’re so glad Sarah and Nina were able to make this experience another great one. We’ll definitely be sharing this with both of them!

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