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Platinum Jumbo

  • Loans up to $3 million with a minimum of $150,000
  • Four years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Owner-occupied, second homes, and non-owner occupied
  • Purchase and cash-out or rate-term refinance
  • Full doc only
  • 40 year interest only available
  • One year tax return program
  • Loan amounts greater than or equal to $1,500,000, a borrower paid second appraisal must be obtained
  • Can qualify off liquid assets

Min Fico


(Up to 80% LTV)



(Minimum 720 FICO)

Angel Oak’s non-QM Platinum Jumbo mortgage program is a competitively priced product for borrowers who just miss qualifying under Prime Jumbo guidelines. Stop losing deals because other lenders only offer Prime Jumbo. Our non-QM Platinum Jumbo loan allows our clients to help more Jumbo borrowers.


Your borrower may not be Prime – but they could be Platinum!


What is a Jumbo Loan?
A Jumbo loan exceeds the limits set by the Federal Housing Finance Agency. A Jumbo loan cannot be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac. We offer a competitively priced Jumbo product at Angel Oak.
What is a Jumbo loan amount?
A Jumbo product is used for a loan amount that exceeds the conforming loan limit in your area. It varies across the country and you confirm the amount with your local Angel Oak account executive.
What is the difference between a Jumbo loan and a conventional loan?
A Jumbo loan allows you to borrow a larger sum of money for a property than with a conventional loan. A conforming loan meets Fannie Mae and Freddie Mac requirements regarding credit, debt and loan size.

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

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