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Program Overview

Angel Oak Mortgage Solutions is a wholesale mortgage lender that specializes in non-QM and non-prime mortgage solutions for brokers.

Our rates are 30 year fixed – not ARMs – across all Angel Oak programs.

Click below to find out more information about our industry leading wholesale mortgage solutions.

Platinum

Solutions for the “Just Missed” Borrower

Credit scores starting at 680

Up to 80% LTV/CLTV

Loans up to $3 million

  • Minimum loan of $150,000
  • 4 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Owner-occupied, second homes and investment properties
  • Non-warrantable condos considered
  • Interest only available

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Portfolio Select

Jumbo loan mortgage solutions with less money down

Loans up to $3 million

Credit scores down to 680

Up to 80% LTV with no MI

  • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • 100% gift funds allowed
  • DTI up to 50% considered
  • Owner-occupied, 2nd homes, and investment properties
  • Non-warrantable condos considered

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Bank Statement

Mortgage solutions for self-employed borrowers

No tax returns required

Credit scores down to 680

12 -24 months bank statements

  • Loans up to $3 million – Minimum $150K
  • Up to 80% LTV on personal and business with no MI
  • DTI up to 50% considered
  • Owner-occupied, 2nd homes and investment properties
  • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu

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Asset Qualifier

Ideal for borrowers with high net worth and significant assets

Credit scores 700 or higher

Loans up to $3 million

Up to 75% LTV

  • Minimum loan $150,000
  • No employment, no income, no DTI
  • Rates are 30-year fixed
  • 5 Years seasoning foreclosure, short sale or bankruptcy
  • Primary residence, purchase or refinance

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Non-Prime

Loan options for borrowers with lower credit scores

Credit Scores starting at 680

Loans up to $1 million

Up to 80% LTV

  • Rates are 30-year fixed
  • 1 day out of foreclosure, short sale, bankruptcy or deed-in-lieu
  • DTI up to 50% considered
  • Owner-occupied, 2nd homes, and investment properties
  • Non-warrantable condos considered

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Investor Cash Flow

Property investors can build their portfolios faster

No personal income docs

Credit scores down to 680

Up to 80% LTV

  • Qualification based on property cash flow
  • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • No DTI restrictions
  • Must own primary home
  • 1-4 units and condos

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Foreign National

Foreign National clients can purchase an investment property in the U.S.

Up to 75% LTV

No U.S. credit required

Loans up to $750,000

  • Minimum loan of $75,000
  • Fewer country restrictions
  • DTI up to 50% considered
  • Investment properties
  • Single family rentals, townhomes, condos, 2-4 units

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