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Big Announcement: Angel Oak Now Has An ITIN Program!

We are excited to announce that we now have a loan product for borrowers who do not have Social Security cards. Our Individual Tax Identification Number (ITIN) loan allows borrowers to submit their ITIN cards in lieu of Social Security Cards. This loan product is a full doc non-QM mortgage offering flexibility for individuals residing in the United States.


  • Maximum LTV 75%
  • Loan amounts up to $2.5 million
  • One year seasoning for foreclosure, short sale or deed-in-lieu
  • Two years seasoning for bankruptcy
  • One unit only
  • Up to 50% DTI
  • Non-warrantable condos allowed

Now you can help more borrowers who are underserved in the market. Let your clients know you have access to a loan specifically for ITIN card holders – Social Security cards are not required. 

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