Expert Lending Solutions Others Can't Offer

Non-QM Specialists | Since 1998

When conventional lenders say no, we say yes. Origin Mortgage specializes in Non-QM, DSCR, and alternative financing solutions for unique borrower situations.

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I Need a Mortgage

Get approved with our retail lending programs
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Become a Partner

Access 100+ wholesale loan programs
28+ Years in Business
$5B+ Loans Funded
15K+ Happy Clients
Origin Mortgage Premium Lending
Our Programs

Lending Solutions for Every Situation

From traditional conforming loans to complex Non-QM scenarios, we have the expertise and programs to get you approved.

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Non-QM Loans

Our specialty. Flexible underwriting for self-employed, gig workers, and complex income scenarios.

  • Bank statement programs
  • Asset depletion
  • P&L only programs
  • No tax return options
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DSCR Loans

Investor-focused financing based on rental income, not personal income documentation.

  • No income verification
  • Investment properties
  • Portfolio financing
  • Fast closings
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FHA Loans

Low down payment options with flexible credit requirements for first-time homebuyers.

  • 3.5% down payment
  • Flexible credit scores
  • Gift funds allowed
  • Streamline refinancing
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VA Loans

No down payment home financing for veterans, active duty service members, and eligible spouses.

  • 0% down payment
  • No PMI required
  • Competitive rates
  • VA streamline options
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Conventional Loans

Traditional financing with competitive rates and flexible terms for qualified borrowers.

  • 3-5% down options
  • Best rates available
  • Investment properties
  • Jumbo loan options
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Reverse Mortgages

Access home equity without monthly payments for homeowners 62 and older.

  • HECM programs
  • No monthly payments
  • Stay in your home
  • Expert guidance
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Why Choose Us

The Origin Difference

28 years of solving complex lending challenges that others won't touch.

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Non-QM Experts

We specialize in complex scenarios that require creative solutions and flexible underwriting.

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Fast Closings

Streamlined processes and dedicated teams mean faster decisions and quicker closings.

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Creative Solutions

When others say no, we find a way. Our extensive program menu means more approvals.

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White Glove Service

Dedicated loan officers, personal attention, and communication throughout your loan journey.

Proven Track Record

Trusted by Thousands

Since 1998, we've helped over 15,000 clients achieve their homeownership dreams.

1998 Founded
15K+ Loans Closed
$5B+ Total Funded
4.9★ Client Rating
★★★★★

"After being denied by three banks, Origin found a solution for my unique income situation. Their Non-QM expertise made all the difference."

Michael R.
Self-Employed Business Owner
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"The DSCR program was perfect for expanding my investment portfolio. No tax returns, fast closing, and excellent rates."

Sarah L.
Real Estate Investor
★★★★★

"Professional, responsive, and genuinely cared about getting me approved. Origin turned a stressful process into a smooth experience."

James T.
First-Time Homebuyer

Ready to Get Started?

Whether you're a borrower with a unique situation or a broker looking for wholesale solutions, Origin Mortgage is here to help.

Apply Now Talk to an Expert