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Angel Oak Mortgage Solutions: A Leader In Non-Prime Lending

The non-prime mortgage origination boom offers non-prime mortgage loan officers and non-agency mortgage brokers new ways to get ahead, increase revenue, and develop their foundation for success. The non-prime mortgage industry benefits entrepreneurial non-agency mortgage brokers who take advantage of value-add tools that are available on non-prime mortgage loans. This is a large population of people to target and add to your prospect list. Spread the word that you have a loan product that can help self-employed borrowers close by choosing alternative solutions such as Angel Oak.

Non-Prime Mortgage Loan Programs

Know the details for all non-prime wholesale mortgage programs available to your non-prime mortgage clients. By knowing what non-agency mortgage lender options are available and being able to provide a whole suite of “alt-A” mortgage programs to your customers, you will be able to service your non-qualified mortgage borrowers with the best possible options and service and directly address their needs.

Find out what solutions are available for your non-prime residential mortgage clients by contacting Angel Oak Mortgage Solutions. Even one day out of a foreclosure, short sale, or deed, Angel Oak can help you guide clients to the right mortgage solution. Which programs offer the opportunity for self-employed non-QM borrowers to use bank statements to provide a proof of income? Are there any programs for non-prime mortgage investors available, or perhaps non-agency foreign national mortgage programs? Knowing the details of these options can provide a significant advantage and savings for your non-qualified mortgage clients.

“I really am speechless. I have never worked with such an amazing team in my life. I just have no idea how you got this done for me, but I cannot express enough how appreciative I am. You bent over backwards and I didn’t think that happened anymore. Angel Oak Team, you rocked my world. You made me look so good!! You made this a priority when I know you didn’t have to at all.” –Kat Martin, Senior Loan Officer,
Hamilton Group Funding, Inc.


Angel Oak Mortgage Solutions stands out by being the #1 non-QM lender in the nation as of last year. We offer correspondent alternative mortgage lending programs to help your borrowers who may not meet general agency financing guidelines. With our guidance, you’ll be able to expand your product offering and grow your business with our tailored programs that not only emphasize financial technology (fintech) applications but can help you get started on new fintech innovations. We offer a number of alternative mortgage lending programs geared toward correspondent mortgage lenders.

A non-qualified mortgage (non-QM) is any home loan that doesn’t comply with the Consumer Financial Protection Bureau’s existing rules on qualified mortgages (QM). Usually this type of correspondent mortgage loan accommodates people who are not able to prove they are capable of making the mortgage payments.

Just because it is a non-QM correspondent mortgage loan does not necessarily mean high risk or subprime mortgage risk, and in many cases these correspondent mortgage loans require a high FICO score but simply do not check all the boxes associated with a correspondent QM loan. The main difference between the two types of correspondent mortgage loans is that correspondent non-QM loans for mortgages are protected by the lender against any type of lawsuit should you become unable to afford the mortgage loan.




Angel Oak Companies is an industry leader in delivering innovative mortgage credit solutions. Through our integrated platform, we deliver solutions across asset management, mortgage lending and capital markets.

Angel Oak Mortgage Solutions offers a breadth of alternative lending products to allow our clients to grow their business and better serve their customers. We re-connect qualified home buyers with the investor community to create a win/win/win for the borrower, originator and investor. As a highly entrepreneurial organization, we are able to quickly adapt to the needs of our clients and embrace a strong service-based culture.

Angel Oak Mortgage Solutions currently offers alternative correspondent mortgage lending services across Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, Oklahoma, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.