From Miami's luxury condos to Orlando's vacation rentals and Tampa's investor properties, Origin Mortgage delivers flexible Non-QM and DSCR financing across the Sunshine State.
Virginia's vibrant economy attracts entrepreneurs, self-employed professionals, and gig workers who need mortgage solutions beyond W-2 income verification.
Virginia's booming rental market—from single-family homes to multi-unit properties and vacation rentals—makes DSCR loans ideal for investors seeking cash-flow financing.
Origin Mortgage serves borrowers and investors throughout Virginia's major metropolitan areas and beyond:
Whether you're financing a primary residence, investment property, or vacation rental, Origin Mortgage has the flexibility to structure Virginia loans that conventional lenders can't.
Yes. Origin Mortgage offers 12-month and 24-month bank statement programs for self-employed borrowers in Virginia. This is ideal for business owners, real estate agents, gig workers, and anyone with complex or fluctuating income who cannot provide traditional W-2 or tax return documentation.
Absolutely. Virginia is one of the top markets for short-term rental (STR) properties, and Origin Mortgage's DSCR loans accept Airbnb and VRBO income for qualification. We can close in an LLC and offer DSCR ratios down to 0.75 in strong Virginia markets like Orlando, Miami, and Naples.
Yes. Origin Mortgage has dedicated Non-QM programs for foreign nationals purchasing property in Virginia. We work with international buyers who want to invest in Miami condos, Orlando vacation homes, or any Virginia real estate. ITIN programs are also available for non-citizen residents.
Down payment requirements vary by program and property type, but typically range from 10% to 25% for Non-QM loans. Bank statement loans often start at 15% down, while DSCR investor loans may require 20-25% depending on the DSCR ratio and property characteristics. Contact us for scenario-specific pricing.
Origin Mortgage delivers consistent 21-day clear-to-close timelines for well-prepared files. We provide initial disclosures within 24 hours and full underwriting within 48 hours. Our Non-QM specialists work closely with Virginia title companies and borrowers to ensure smooth, on-time closings.
Yes. Origin Mortgage finances condos, townhomes, single-family homes, and multi-unit properties (up to 8 units) throughout Virginia. We handle warrantable and non-warrantable condos, and our underwriters have deep experience with Virginia's unique condo market and HOA requirements.