# Origin Mortgage

> Nationwide mortgage lender since 1998 specializing in Non-QM, DSCR, and alternative lending solutions. NMLS #213236.

Origin Mortgage is a wholesale and retail mortgage lender headquartered in Islandia, NY. We specialize in Non-QM (non-qualified mortgage) products for borrowers who don't fit conventional lending boxes: self-employed, bank statement, asset depletion, ITIN, foreign national, and DSCR investor loans. We also offer full agency programs (FHA, VA, Conventional) and reverse mortgages.

## Company Info

- Founded: 1998
- NMLS: 213236
- Phone: 800-622-7225
- Email: info@origin-mortgage.com
- Address: 1377 Motor Parkway, Suite LL-5, Islandia, NY 11749
- Hours: Mon-Fri 8am-6pm EST, Sat 9am-2pm EST
- Apply: https://origin.floify.com/apply-now
- Website: https://origin-mortgage.com

## Channels

- **Wholesale/TPO**: Mortgage brokers partner with Origin for Non-QM depth, same-day pricing, and dedicated AEs. Apply at https://wholesale.origin-mortgage.com
- **Retail**: Direct-to-consumer lending with personalized loan officer guidance.

## Loan Programs

- [Non-QM Loans](https://origin-mortgage.com/programs.html.md): Bank statement (12/24mo), P&L only, asset depletion, 1099, ITIN, foreign national, jumbo to $3M
- [DSCR Loans](https://origin-mortgage.com/programs.html.md): Investment property financing based on rental income, 0.75 DSCR, STR-friendly, LLC eligible, 1-8 units
- [FHA Loans](https://origin-mortgage.com/programs.html.md): 3.5% down, credit to 580, manual underwrite, gift funds, streamline refi
- [VA Loans](https://origin-mortgage.com/programs.html.md): 0% down, no PMI, IRRRL streamline, cash-out to 100% LTV
- [Conventional](https://origin-mortgage.com/programs.html.md): Fannie/Freddie, high-balance, HomeReady/Home Possible, investment property
- [Reverse Mortgages](https://origin-mortgage.com/programs.html.md): HECM and proprietary, 62+, no monthly payment, line of credit or lump sum

## Pages

- [Home](https://origin-mortgage.com/index.html.md)
- [All Programs](https://origin-mortgage.com/programs.html.md)
- [Why Origin Wholesale](https://origin-mortgage.com/why-origin.html.md)
- [Wholesale/TPO Partnership](https://origin-mortgage.com/wholesale.html.md)
- [Retail Borrowers](https://origin-mortgage.com/retail.html.md)
- [About Us](https://origin-mortgage.com/about.html.md)
- [Contact](https://origin-mortgage.com/contact.html.md)
- [Learning Center](https://origin-mortgage.com/learning.html.md)

## Articles

- [What is a Non-QM Loan?](https://origin-mortgage.com/what-is-nonqm.html)
- [Bank Statement Loans Explained](https://origin-mortgage.com/bank-statement-loans.html)
- [DSCR Loans: The Complete Guide](https://origin-mortgage.com/dscr-loans-explained.html)
- [Asset Depletion Loans](https://origin-mortgage.com/asset-depletion-loans.html)
- [Foreign National Mortgage Loans](https://origin-mortgage.com/foreign-national-loans.html)
- [Investment Property Loan Programs](https://origin-mortgage.com/investor-property-loans.html)
- [Fix and Flip Loans](https://origin-mortgage.com/fix-and-flip-loans.html)
- [Non-QM vs Conventional Loans](https://origin-mortgage.com/nonqm-vs-conventional.html)
- [Non-QM vs FHA Loans](https://origin-mortgage.com/nonqm-vs-fha.html)
- [Non-QM Lending Trends 2026](https://origin-mortgage.com/nonqm-trends-2026.html)

## State Lending Guides

- [Florida](https://origin-mortgage.com/states/florida.html)
- [Texas](https://origin-mortgage.com/states/texas.html)
- [California](https://origin-mortgage.com/states/california.html)
- [New York](https://origin-mortgage.com/states/new-york.html)
- [New Jersey](https://origin-mortgage.com/states/new-jersey.html)
- [Arizona](https://origin-mortgage.com/states/arizona.html)
- [Georgia](https://origin-mortgage.com/states/georgia.html)
- [Illinois](https://origin-mortgage.com/states/illinois.html)
- [Colorado](https://origin-mortgage.com/states/colorado.html)
- [Virginia](https://origin-mortgage.com/states/virginia.html)

## Key Differentiators

- 28+ years in business, $5B+ loans funded, 15,000+ clients
- Non-QM is our specialty, not a side product
- Manual underwriting expertise for complex scenarios
- Nationwide licensing
- Same-day scenario pricing for broker partners
- Mixed-use properties up to 8 units