Financing Texas-sized ambitions with flexible Non-QM and DSCR solutions across Dallas, Houston, Austin, San Antonio, and every corner of the Lone Star State.
Texas entrepreneurs, business owners, and real estate investors need mortgage solutions designed for independent earners, not just W-2 employees.
Texas offers investor-friendly markets with strong job growth, no state income tax, and massive rental demand. DSCR loans unlock portfolio expansion without income limitations.
Origin Mortgage serves borrowers and investors throughout Texas's diverse and high-growth real estate markets:
Whether you're buying a primary residence in the suburbs, acquiring rental properties, or expanding an investment portfolio, Origin Mortgage structures Texas loans with flexibility conventional lenders can't match.
Yes. Origin Mortgage's bank statement programs allow Texas entrepreneurs, contractors, and self-employed professionals to qualify for a mortgage using 12 or 24 months of personal or business bank statements instead of tax returns. This is ideal for business owners who write off significant expenses and show lower taxable income.
Yes, but Texas has unique regulations around cash-out refinances (Section 50(a)(6) rules). Origin Mortgage's Non-QM underwriters are well-versed in Texas-specific requirements, including the 12-day rescission period, 80% LTV limits, and documentation standards. We can guide you through compliant cash-out structuring.
Absolutely. Texas is one of the strongest investor markets in the country, and Origin Mortgage's DSCR loans let you qualify based on the property's rental income rather than personal income. We finance single-family rentals, duplexes, triplexes, fourplexes, and properties up to 8 units.
Minimum down payments typically range from 10% to 25% depending on the program. Bank statement loans often require 15-20% down, while DSCR loans may need 20-25% based on the property's DSCR ratio and cash flow. Contact us for program-specific details.
Origin Mortgage delivers 21-day clear-to-close timelines for well-prepared files. We provide initial disclosures within 24 hours, complete underwriting in 48 hours, and work closely with Texas title companies to ensure smooth closings that meet contract deadlines.
Yes. Origin Mortgage finances properties throughout Texas, including rural areas, small towns, and non-metro markets. We evaluate each property individually and have experience with land-home packages, acreage properties, and unique Texas real estate scenarios.