Program Overview

MORE OPTIONS… To close your sub-prime loans

Angel Oak Mortgage Solutions offers alternative lending programs to help your borrowers who may not meet general Agency financing guidelines. Expand your product offering and grow your business with our unique programs.

Non-Prime/Recent Housing Event
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  • 1 Day Out Of Foreclosure, Short Sale, BK, DIL
  • Rates Starting In The 5’s
  • Loans Up To $1 Million (Over $1M Case By Case)
  • Credit Scores Down To 500 (Including Jumbo Loans)
  • Up To 85% LTV With No MI
  • Mortgage Lates Are OK
  • 100% Gift Funds Allowed
  • DTI Up To 50% Considered
  • Owner-Occupied, 2nd Homes, Investment Properties
  • 5/1 ARM Or 30-Year Fixed
  • No Pre-Payment For Owner-Occupied And 2nd Homes
  • No Active Tradelines OK With Housing History
  • SFRs, Townhomes, Condos, 2-4 Units
  • Seller Concessions To 6% (2% For Investment)
  • Non-Warrantable Condos Considered
  • Up To 100% Investor Concentration Allowed

Portfolio Select/Alt-A
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  • Rates Starting In The 5’s
  • Up To 90% LTV With No MI
  • 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
  • Loans Up To $2 million (Minimum Loan $75,000)
  • Credit Scores Down To 620
  • Cash Out For Reserves OK
  • Gift Funds Allowed
  • DTI Up To 50% Considered
  • Owner-Occupied, 2nd Homes, Investment Properties
  • Interest Only Program Available
  • 5/1 ARM Or 30-Year Fixed
  • No Pre-Payment Penalty For Owner-Occ And 2nd Homes
  • SFRs, Townhomes, Condos, 2-4 Units
  • Seller Concessions To 6% (2% For Investment)
  • Non-Warrantable Condos Considered
  • Up To 100% Investor Concentration Allowed

Bank Statement (Personal or Business) 
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  • No Tax Returns/Transcripts Required
  • 12 Month Bank Statements Now Available
  • 24 Months Bank Statements (Personal Or Business)
  • Loans Up To $2 million (Min Loan Amount $150,000)
  • Credit Scores Down To 620
  • Rates Starting In The Low 5’s
  • Personal To 90% LTV (No MI), Business To 80% LTV
  • DTI Above 35/43 Considered With 660+ Credit Score
  • Owner-Occupied, 2nd Homes, Investment Properties
  • 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
  • Non-Warrantable Condos Considered
  • 5/1 ARM Or 30-Year FixedGift Funds Allowed
  • No Pre-Payment Penalty F
  • or Owner-Occ And 2nd Homes
  • SFRs, Townhomes, Condos, 2-4 Units
  • Seller Concessions To 6% (2% For Investment)
   
 

Investor Cash Flow
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  • No Personal Income Used To Qualify
  • Qualification Based On Property Cash Flow
  • 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
  • Credit Scores Down To 660
  • Rates Starting In The Low 6’s
  • Up To 75% LTV (Up To 80% NOO On Other Programs)
  • No DTI Restrictions
  • 5/1 ARM Or 30-Year Fixed
  • Must Have Housing History And Own A Primary Home
  • SFRs, Town Homes, Condos, 2-4 Units
  • No Limit On Number Of Properties Financed (5 With AOMS)
  • Loans Up To $1 Million (Minimum $75,000)
  • Seller Concessions To 2%
 

Foreign National
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  • Up To 75% LTV (Purchase Or Refinance)
  • No US Credit Required
  • 12 Months Reserves Required
  • Reserves May Remain In Foreign Account
  • DTI Up To 50% Considered
  • Fewer Country Restrictions
  • No SSN Or ITIN Required
  • SFRs, Townhomes, Condos, 2-4 Units
  • Non-Warrantable Condos Considered
  • 5/1 ARM Or 30-Year Fixed
  • Loans Up To $750,000 (Higher Amounts Case By Case)
  • Minimum Loan Amount Down To $75,000