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Our Quick & Easy Loan Process

Our Quick & Easy Loan Process

Discovery Meeting

In our initial meeting with you, a Griffin Funding VA Mortgage Loan Specialist will do some fact finding in order to discover what loan options are best for you and your unique situation. 

We will assess whether you are VA eligible and search the market to find the best rate based on your credit score as well as other factors. The loan specialist will then pass this information to you. If it is conducive to move forward, we will provide you with a quote right over the phone! 

We will also provide a detailed analysis comparing a VA mortgage with a conventional mortgage so you can decide which loan is best for you.

Loan Application: 

We complete your loan application over the phone with you to ensure accuracy.

Lock In Your New VA Rate: 

With your authorization, we will lock in your new rate over the phone to the exact terms that we agree upon.

Application & Disclosures: 

Once the new rate is locked in, we will send you the initial application and disclosures via DocuSign (electronic signatures), via email in a secure PDF, through our digital mortgage platform, or through overnight delivery (whichever you prefer).

Supporting Documentation: 

We will send you a checklist of documentation you need to scan, fax, submit through our digital mortgage platform, or overnight to us.

Loan Process: 

Our team of Account Managers and Processors set up your file to be submitted to underwriting.

Appraisal & Pest Inspection: 

We will order the appraisal through the VA portal and a VA appraiser will contact you for the best time to appraise the home. 

You will be responsible for ordering your pest inspection with a local termite company. If you need help finding a reputable company, one of our loan specialists would be happy to assist.

Loan Approval: 

Once we obtain loan approval on your file we will reach out with any missing items that are needed to order your final loan docs.

Final Loan Document Signing: 

Before the mobile notary comes over to sign the final loan documents, you will review your TRID Closing Disclosure/settlement statement with your VA Mortgage Loan Specialist to ensure all of the numbers are correct. 

The notary will call you to schedule a time for the signing. Our team will be available during that time for any questions you may have.

Loan Funding / Recording

After you sign your refinance documents, you will have a 3-day waiting period before your loan will fund. If you choose to pull cash-out, escrow will wire your funds to you the same day (purchase loans have no 3-day waiting period).


*Learn more about our services by visiting us online at http://www.griffinhomeloans.com or calling us at (888) 721-0003. If all agents are busy, please dial (800) 527-5910 for immediate assistance.