Retail Borrowers

Your Mortgage, Your Way

Whether you're self-employed, buying an investment property, or purchasing your first home, Origin Mortgage crafts financing around your story.

Streamlined From Discovery to Close

Clear milestones, constant communication, and proactive updates keep you confident from day one.

1

Discovery

Share your goals and documentation with our loan team. We'll map the best program and rate strategy.

2

Approval

Receive a fully underwritten approval with conditions spelled out—no surprises or vague promises.

3

Close

We coordinate with your Realtor, title, and insurance partners to deliver an on-time, smooth closing.

Options Explained in Plain English

We'll guide you toward the loan that makes the most sense today and in the future.

Non-QM Flex

Use bank statements, 1099s, or assets instead of tax returns.

  • No tax returns required
  • Perfect for business owners
  • Loan amounts up to $3M

DSCR Investor

Qualify based on rental income so your portfolio keeps growing.

  • Holds title in LLC
  • Short-term rentals allowed
  • Close quickly to win deals

FHA & VA

Low or no down payment options with flexible credit guidelines.

  • Credit scores down to 580
  • 3.5% down FHA, 0% down VA
  • Streamline refinance available

Conventional & Jumbo

Great rates for well-qualified buyers plus high-balance options.

  • Only 3% down for qualified buyers
  • High-balance loans for pricier markets
  • Interest rate locks up to 90 days

Reverse & Equity Access

Age in place and turn equity into flexible income.

  • Available to homeowners 62+
  • Keep the title in your name
  • Use funds for retirement goals

FAQ

Still curious? Here are answers to the most common borrower questions.

How fast can I close?

Standard conventional closings are 21-25 days, while Non-QM closes average 21 days when docs are complete.

Do you work with self-employed borrowers?

Yes. We created bank statement, P&L, and asset depletion programs specifically for entrepreneurs.

What documents do I need?

Expect ID, income/asset verification (or statements), and purchase contract. We'll send a tailored checklist.

Can I talk to someone directly?

Absolutely. Call 800-622-7225 or email [email protected] and a loan expert will respond the same day.

Ready to move forward?

Take the next step when you're ready—online application, phone call, or email. We'll guide you every step of the way.