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Program Overview

Angel Oak Mortgage Solutions is a wholesale mortgage lender that specializes in non-QM 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.

Bank Statement Mortgage

Mortgage solutions for self-employed borrowers

Credit scores starting at 660

Up to 90% LTV, No MI

  • Loans up to $3 million, Minimum loan of $150,000
  • 12 or 24 months business or personal bank statements
  • 4 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Rates are 30-year fixed
  • 2 years self-employed required

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1099 Income Loan

Mortgage solutions for self-employed borrowers

Credit scores starting at 660

Up to 85% LTV, No MI

  • Rates in the low 5s
  • Max LTV 85% with 680 score
  • Max LTV 75% with 660 score
  • Loans up to $3 million, Minimum loan of $150,000
  • No tax returns are required

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Investor Cash Flow

Property investors can build their portfolios faster

Credit scores starting at 660

Up to 75% LTV

  • Loans up to $1 million, Minimum loan of $75,000
  • Qualification based on property cash flow − Minimum DSCR 1.10
  • No personal income / no employment needed
  • Properties can be in LLC’s name
  • No limit on total number of properties

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Platinum Jumbo Mortgage

Solutions for the “Just Missed” Borrower

Credit scores starting at 660

Up to 90% LTV, No MI

  • Loans up to $3 million, Minimum loan of $250,000
  • 4 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Owner-occupied, 2nd homes, and non-owner occupied
  • Purchase and cash-out or rate-term refinance
  • Full doc only

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Asset Qualifier

Ideal for borrowers with high net worth and significant assets

Credit scores starting at 700

Up to 75% LTV

  • Loans up to $3 million, Minimum loan of $250,000
  • 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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Agency Mortgage

Conventional Mortgage Solutions for Quick Closings

Credit scores starting at 660

Up to 95% LTV/CLTV, with MI

  • Loans Up to Conforming Limits (High Balance Case By Case)
  • Owner-Occupied, 2nd Homes, Investment
  • Competitive Pricing with Quick Turn Times

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Portfolio Select

A full-doc product that offers borrowers all the flexibility, features and benefits of non-QM programs

Credit scores down to 620

Up to 85% LTV with no MI

  • Loans up to $2.5 million
  • 2 years seasoning for foreclosure, short sale, bankruptcy or DIL
  • Purchase and cash-out or rate-term refinance
  • Owner-occupied, second homes, and investment properties
  • Non-warrantable condos ok

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