Skip to main content

Angel Oak’s New Enhancements Could Mean More Volume

Great news! We have updates to our guidelines adding benefits and ways to help more borrowers to qualify for a mortgage.

We have increased our LTVs and lowered credit scores!

We now allow a DSCR down to 0.80!


  • Up to 85% for Bank Statement and Platinum Jumbo
  • Up to 80% on our Investor Cash Flow program​​​​​​

Credit Scores

  • Down to 660 on Bank Statement and Portfolio Select.​​​

Our Non-QM products that can help you add loans to your books:

Bank Statement

  • Self-employed borrowers can submit 12 or 24 months of personal or business bank statements or 1099 earning statements in lieu of tax returns.

​​​Investor Cash Flow

  • Real estate investors can qualify using rental cash flow of the property instead of tax returns or income.


  • Non-QM Platinum Jumbo product for those who miss Prime. One year tax return program and four years seasoning requirements for credit events such as foreclosure.​​​​​​​

Portfolio Select

  • One year seasoning for foreclosure, deed-in-lieu or short sale. Two years seasoning for bankruptcy.

Asset Qualifier

  • Qualifies using liquid assets instead of tax returns or employment information.