The Agency Quick Pricer is Angel Oak’s conforming loan pricing engine built for brokers to model real-time scenarios. It allows advisors to adjust credit score, LTV, lock period, occupancy, and property type to view available rates, price adjustments, and estimated costs.

No. The Quick Pricer provides pricing scenarios only. All Agency loans must receive Eligible/Accept findings through LPA and complete Angel Oak’s underwriting review before approval.

Agency loans are sold into the secondary market, and pricing reflects live market conditions. As capital markets move, rate sheets adjust. The Quick Pricer displays pricing at the time the scenario is run.

Credit score tier, loan-to-value ratio, lock period, occupancy, escrow waiver selection, and compensation structure drive pricing adjustments. Angel Oak’s tool allows brokers to model these variables before locking.

The Quick Pricer helps brokers structure cleaner files before submission. Modeling LTV changes, lock options, or credit tiers in advance improves quote accuracy and reduces rework at lock.