Financing California's high-value real estate with flexible Non-QM and DSCR solutions from LA to San Francisco, San Diego to Sacramento.
California's high home values and entrepreneurial economy demand Non-QM solutions that go beyond conforming loan limits and W-2 income verification.
California's competitive rental markets—from coastal properties to inland investment opportunities—require fast, flexible DSCR financing that doesn't depend on personal income.
Origin Mortgage serves borrowers and investors throughout California's complex and high-value real estate landscape:
Whether you're purchasing a coastal estate, investing in rental properties, or refinancing a complex scenario, Origin Mortgage structures California loans with the flexibility major banks can't provide.
Yes. Origin Mortgage offers jumbo Non-QM loans up to $3 million using 12 or 24 months of bank statements instead of tax returns. This is ideal for California's high-cost areas where self-employed borrowers need financing above conforming loan limits.
Absolutely. California investors use DSCR loans to qualify based on the property's rental income rather than personal income. We finance single-family rentals, multi-unit properties up to 8 units, and even short-term vacation rentals in coastal markets.
Yes. Origin Mortgage has dedicated Non-QM programs for foreign nationals purchasing California real estate. We work with international buyers from Asia, Europe, Latin America, and beyond who want to invest in California properties.
Minimum down payments typically range from 15% to 25% depending on the program and property value. Jumbo bank statement loans often require 20-25% down, while DSCR loans may need 25-30% for high-value California properties. Contact us for scenario-specific details.
Origin Mortgage delivers 21-day clear-to-close timelines for well-prepared files. We provide disclosures within 24 hours, complete underwriting in 48 hours, and coordinate with California escrow companies to ensure smooth closings.
Yes. Origin Mortgage finances warrantable and non-warrantable condos throughout California, including high-rise towers, converted buildings, and condo-hotels. Our underwriters evaluate each property individually and have extensive California condo experience.