Powering the Future of Non-QM

Angel Oak Mortgage Solutions is a mortgage lender specializing in Non-QM programs for underserved borrowers.

10+ Years

Specializing in Non-QM Lending

$23B+

in Mortgage Originations

56K+

in Total Loans Closed

AngelOak iQ Broker’s Intelligence Suite

Full-stack broker approval and closing platform

Step 1: Non-QM QuickQuote
From quote to close in one place. Start with Non-QM QuickQuote to get loan pricing and eligibility in seconds. Click below to start your Pre-Approval.

Get Qualified

Explore AngelOak iQ

Mortgage Programs

Our Non-QM mortgage programs help originators close complex loans, reach underserved borrowers, and grow their business confidently. Each program combines underwriting flexibility with consistent execution across income, property, and borrower profiles.

Bank Statement Loans

For Self-Employed Borrowers. No tax returns required.

640Min. Credit Score

90%LTV Up to

Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
Owner-occupied, second homes, and investment properties
Borrowers can own as little as 25% of the business

Bank Statement HELOC

A HELOC for Self-Employed Borrowers

660Min. Credit Score

90%LTV Up to

First lien HELOC allowed
Owner-occupied, second homes, and investment properties
Interest-only payments during draw period

DSCR Loan

For Rental Property Investors

680Min. Credit Score

85%LTV Up to

Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
1007 Waiver – Automated rental AVM report available (75% Max LTV, 1 unit only)
AirDNA Analysis – Automated short term rental report

Asset Qualifier

For borrowers with assets. No employment required.

700Min. Credit Score

75%LTV Up to

Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
Primary residence and second home only
No employment, no income, no DTI

Platinum

For “Just Missed” Jumbo Borrowers

680Min. Credit Score

90%LTV Up to

Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
Owner-occupied, second homes, and investment properties
Four years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu

Portfolio Select

For borrowers with a credit event

640Min. Credit Score

85%LTV Up to

Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
Owner-occupied, second homes, and investment properties
Two years’ seasoning for bankruptcy, can use chapter 13 filing date

Closed-End Second Mortgage

A Second Mortgage for Self-Employed and Real Estate Investors

660Min. Credit Score

90%LTV Up to

Cash-out or rate-term refinance
Owner-occupied, second homes, and investment properties
Full doc (2 years’ tax returns and YTD P&L, or 2 years W-2’s with YTD pay stubs for non-self-employed)

Programs Overview

Find an AE

Webinars

Up Next

06 – 25 – 2026 | 1:00 pm

Rethinking Loan Qualification with Rental Analytics

Join us for a closer look at how short-term rental data is becoming an important part of today’s lending landscape. In this session, we’ll take…

Learn More

06 – 11 – 2026

HELOCs & Closed-End Seconds for Today’s Homeowner Needs: The Power of Second Liens

05 – 20 – 2026

The Non‑QM Advantage: Scaling Your Business with DSCR & Short‑Term Rentals

05 – 06 – 2026

A Non-QM Webinar: From Equity to Opportunity – Navigating the Cash-Out Market in 2026

04 – 23 – 2026

Non-QM Webinar: Understanding Bank Statement Loans in Today’s Non‑QM Market

04 – 09 – 2026

Non-QM Webinar: DSCR from File to Funded – Close More Investor Files

03 – 26 – 2026

Bank Statement HELOC: Monetizing Equity Without Refinancing

03 – 12 – 2026

Bank Statement Loans: Qualifying the Self‑Employed Borrower

02 – 26 – 2026

Short Term Rentals & DSCR Loans

02 – 12 – 2026

Diversify your Pipeline with HELOCs and Cash-Out 2nd Liens

View All

Broker Resource Center

Access pricing, qualification tools, mortgage calculators, and lending resources built specifically for Non-QM wholesale lending with our broker toolset.

Blended Rate Calculator

DSCR Loan Calculator

2-1 Buydown Calculator

All Broker Resources

Powering the Future of Non-QM

AngelOak iQ Broker’s Intelligence Suite

Mortgage Programs

Bank Statement Loans

Bank Statement HELOC

DSCR Loan

Asset Qualifier

Platinum

Portfolio Select

Closed-End Second Mortgage

Webinars

Up Next

Rethinking Loan Qualification with Rental Analytics

Previous

HELOCs & Closed-End Seconds for Today’s Homeowner Needs: The Power of Second Liens

The Non‑QM Advantage: Scaling Your Business with DSCR & Short‑Term Rentals

A Non-QM Webinar: From Equity to Opportunity – Navigating the Cash-Out Market in 2026

Non-QM Webinar: Understanding Bank Statement Loans in Today’s Non‑QM Market

Non-QM Webinar: DSCR from File to Funded – Close More Investor Files

Bank Statement HELOC: Monetizing Equity Without Refinancing

Bank Statement Loans: Qualifying the Self‑Employed Borrower

Short Term Rentals & DSCR Loans

Diversify your Pipeline with HELOCs and Cash-Out 2nd Liens

Broker Resource Center

Contact AOMS