Mortgage Solutions Built Around You
Expert guidance, personalized loan options, and a smoother path to homeownership.
Welcome To Originpoint Mortgage
At Originpoint Mortgage, we bring over 27
years of mortgage lending experience to help homebuyers and homeowners secure the right financing with confidence. Based in San Diego, California
and serving clients in nearly all 50 states, we offer a wide range of loan solutions, including conforming loans, conventional loans, VA loans, jumbo loans, FHA loans, and non-QM loans. Brian Shaw, a fifth-generation San Diego native with an Economics degree from UCSD, has been a top-producing loan originator since 1999 and is known for his strong work ethic, trusted industry relationships, and personalized approach to guiding clients through every step of the lending process.
Why Choose
Originpoint Mortgage
Over 27 Years of Experience
With over 27 years of experience in mortgage lending, we understand how to navigate a wide range of loan scenarios with confidence and precision. Our experience helps us guide clients smoothly through the process while providing the knowledge and support they need to make informed decisions.
Can Do Loans in Almost Every State
Based in San Diego, we help clients secure financing in nearly all 50 states, giving us the flexibility to serve a wide range of homebuyers and homeowners across the country. Whether you are purchasing a primary home, second home, or investment property, we can provide trusted loan solutions far beyond our local market.
Personalized Guidance
We take the time to understand each client’s goals, financial situation, and long-term plans so we can recommend the loan option that fits best. Our personalized approach means you get clear communication, honest advice, and support from start to finish.
Strong Industry Relationships
Over the years, we have built strong relationships throughout the real estate and mortgage industries, allowing us to better serve our clients during every stage of the process. These trusted connections help create a smoother experience and give our clients added confidence when timing and communication matter most.
Trusted Mortgage Guidance From a San Diego Native
With over 27 years of experience in mortgage lending, Originpoint Mortgage provides knowledgeable, personalized guidance for homebuyers and homeowners who want clarity through every step of the loan process. Led by Brian, a fifth-generation San Diego native and top-producing loan originator since 1999, we understand that every client’s goals, finances, and timeline are different. That is why we take the time to match each borrower with the right solution, whether they are purchasing a home, refinancing, or exploring specialized financing options. From San Diego to clients across nearly all 50 states, we are committed to making the lending process smoother, more strategic, and built around your needs.
Our services
What we do
CONFORMING LOANS
Conforming loans follow government-backed guidelines, offering competitive rates and predictable terms. We structure these loans for efficient qualification, smoother approvals, and balanced payments while aligning with lending limits and underwriting standards to support long-term affordability and financial stability.CONVENTIONAL LOANS
Conventional loans provide flexibility for borrowers with strong credit and stable income. We design these loans with competitive rates, customizable terms, and fewer restrictions, focusing on equity growth, financial stability, and cost efficiency while maintaining a structured and reliable financing approach.VA LOANS
VA loans support eligible veterans and military families with zero down payment options and no private mortgage insurance. We guide the process to ensure access to earned benefits, simplify approvals, and create financing solutions that deliver long-term stability and manageable repayment.JUMBO LOANS
Jumbo loans finance high-value properties exceeding standard limits. We structure these loans with careful income verification, asset evaluation, and repayment planning, ensuring access to larger funding amounts while maintaining financial clarity, competitive terms, and long-term stability.FHA LOANS
FHA loans make homeownership accessible for borrowers with lower credit scores or limited savings. We focus on flexible qualification, manageable costs, and structured repayment, creating a clear pathway to ownership while maintaining financial balance and long-term affordability.NON-QM LOANS
Non-QM loans serve borrowers with non-traditional income or financial profiles. We design flexible solutions using alternative documentation, supporting self-employed individuals and investors, while maintaining responsible lending practices and creating clear, structured paths to secure financing.What our customers have to say...
Testimonials
FREQUENTLY ASKED QUESTIONS
What is the difference between a conforming loan and a jumbo loan?
A conforming loan meets the loan limits and guidelines set by Fannie Mae and Freddie Mac, while a jumbo loan exceeds those limits. Jumbo loans are often used for higher-priced homes and may have different qualification requirements, including stronger credit and larger cash reserves.
What is the difference between an FHA loan and a conventional loan?
An FHA loan is backed by the Federal Housing Administration and is often a good option for buyers with lower down payments or less-than-perfect credit. A conventional loan is not government-backed and may offer more flexibility and lower long-term costs for borrowers with stronger credit profiles.
Who qualifies for a VA loan?
VA loans are available to eligible veterans, active-duty service members, and certain surviving spouses. These loans can offer major benefits such as no down payment requirements in many cases, competitive interest rates, and no private mortgage insurance.
Locations
Our Service Areas
San Diego, CA
Chula Vista, CA
Oceanside, CA
Escondido, CA
Carlsbad, CA
Reliable Lending Built on Experience and Precision
Mortgage lending should never feel uncertain or overwhelming. With decades of experience and a structured approach to financing, we focus on delivering solutions that are practical, transparent, and built for long-term success. From San Diego, California, to clients nationwide, every loan is handled with precision, ensuring accuracy, efficiency, and clear communication throughout the process. Our approach is designed to simplify complex decisions, streamline approvals, and provide clarity at every stage. Whether navigating standard loan programs or more unique financial scenarios, we prioritize consistency, responsiveness, and results that align with real financial goals. At Originpoint Mortgage
in
San Diego, California, every step is guided by experience, integrity, and a commitment to helping clients move forward with confidence and long-term financial stability.
- NMLS: 348652