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GSE Loan Limit Does Not Impact You When You Work With Us!

Fannie Mae and Freddie Mac has issued new guidelines effective April 1st that now places a 7% limit on the acquisition of loans for single-family second homes and investment properties. As well, guidelines were tightened for second home and investment loan properties. It is quite possible that more borrowers will not qualify, particularly real estate investors. In addition, it may be harder to find lenders to fund these loans.
 
Not with Angel Oak. Non-QM is more important than ever and so is Angel Oak Mortgage Solutions. There are NO LOAN LIMITATIONS working with us! As the end investor, we are not subject to those new limits. And with non-QM options, we are here to support you and help your borrowers find the right solution for their financial situation. 
 
Call us today for more information on the GSE purchase cap and loan options for real estate investors or anyone purchasing a second home. If tightened guidelines means they don’t qualify for an Agency loan, don’t worry. One of our most highly utilized loan products is the Investor Cash Flow loan designed specifically for those buying investment properties. 

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Investor Cash Flow Highlights:

  • Uses only the market rents from the appraisal to qualify the loan
  • Minimum DSCR 1.00
  • No DSCR with a minimum 700 FICO and maximum 70% LTV
  • Credit scores down to 640
  • LTVs up to 80%
  • Interest only available