Platinum

For “Just Missed” Jumbo Borrowers

Angel Oak’s Non-QM Platinum allows our clients to help more Jumbo borrowers. This mortgage program is a competitively priced product for borrowers who just miss qualifying under Prime Jumbo guidelines.

680

Min Fico

(Up to 80% LTV)

90%

Max LTV

(Minimum 720 FICO)

Loans up to

$4 million

with a minimum of $150,000

5/6 ARM, 7/6 ARM, & 30 year

year fixed options available

Full doc only

One year

tax return program

Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
Owner-occupied, second homes, and investment properties
Four years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
Loan Features: 2-1 Buydown, Adjustable-Rate Mortgage (ARM)
Please contact an Angel Oak Account Executive for complete qualification

We currently offer business-purpose loans for investment properties through approved clients, even if they’re not licensed in the subject property’s state.
Unlicensed states: AL, AR, CA*, CO, CT, FL, GA, IN, LA, MA, MO, MT, NC, NM, OH, OK, PA, SC, TN, TX*, UT, WA, WI
*California (CA): The originator’s company, and the originator’s branch must hold active CA licenses. The originator is not required to hold an individual license.
*Texas (TX): HELOC transactions are not eligible.

Business Purpose Disclosure

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FAQ's

A Platinum Loan is a Non-QM jumbo mortgage designed for borrowers who exceed conforming loan limits and require higher loan amounts.

Borrowers with strong credit profiles and documentable income who fall outside agency jumbo overlays due to DTI or guideline constraints may qualify.

Platinum loans require full documentation, including income verification, asset documentation, and credit review under defined underwriting standards.

Primary residences, second homes, and investment properties may qualify, subject to loan amount and program guidelines.

This program may be appropriate when a borrower requires jumbo financing and does not meet agency jumbo eligibility despite strong overall credit quality.

What is the benefit to originators who use Non-QM loan products?

Originators who utilize Non-QM offer a service that their competition may not offer. They become an expert and go-to for the Non-QM borrower. The benefit is increased referrals and business growth despite changes in the market. Continue to increase your volume each year regardless of fluctuating interest rates, tighter Agency guidelines, and a slowing refinance market.

Additional Program Options