Skip to main content

Why Choose Platinum Mortgage Solutions?

Why choose Platinum Mortgage Solutions?

The Platinum Mortgage Program is a competitively priced product aimed at ‘just missed’ borrowers that can help grow your business and close more loans than ever. It informs your bank statement and Jumbo mortgage borrowers that you have an aggressively priced option that could help them realize the home of their dreams.

Here are the benefits of a platinum mortgage program:

  • Rates starting in the 4’s
  • 4 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Loans up to $3 million (minimum $150,000)
  • Credit scores starting at 660
  • Up to 95% LTV/CLTV
  • Owner-occupied, second homes and investment properties
  • Non-warrantable condos considered
  • Interest-only available
  • Cash-out available – $500,000 maximum
  • Full doc and bank statements available
  • Option to qualify with assets instead of income
  • 1 year tax return program available

Angel Oak’s Non-QM Mortgage Options

Angel Oak Mortgage Solutions has pioneered the resurgence and success of non-QM mortgages, making us the leaders in the space. We have experienced record-setting growth in the non-QM space, and offer unique alternative mortgage lending programsdesigned to help mortgage brokers expand product offerings and grow businesses. We do this by expanding the possible clientele you can reach – low credit and no-credit mortgage loan borrowers looking to purchase their homes. This is made possible through a more intelligent credit worthiness process seeking to determine a borrower’s ability to pay back an alternative mortgage loan, rather than looking solely at their credit scores. We offer the following options for mortgage brokers to close non-prime mortgage loans:

  • Non-Prime/Recent Housing Event Program
  • Portfolio Select/Alt-A Program
  • Bank Statement (Personal or Business) Program
  • Investor Cash Flow Program
  • Foreign National Program
  • Asset Qualifier Program
  • Platinum Program
Angel Oak Mortgage Solutions offers a track record of proven success in providing alternative mortgage financing options, and has worked with mortgage brokers in providing non-prime loans to customers across the country. As one of our non-prime mortgage broker clients says:

“There are still not a lot of products out there and we really feel like this company, Angel Oak, has really pioneered the non-prime mortgage space. And they’re doing it responsibly. That being said, our referral sources love it. The other aspect of it is the ease of doing business with Angel Oak. They really, really have streamlined their process.” – Jason Davis, Branch Manager
 American Financial Network


Angel Oak Mortgage Solutions stands out by being the #1 non-QM lender in the nation as of last year. We offer correspondent alternative mortgage lending programs to help your borrowers who may not meet general agency financing guidelines, and with our guidance, you’ll be able to expand your product offering and grow your business with our tailored programs. We offer a number of alternative mortgage lending programs geared toward correspondent mortgage lenders.



Angel Oak Companies is an industry leader in delivering innovative mortgage credit solutions. Through our integrated platform, we deliver solutions across asset management, mortgage lending and capital markets.

Angel Oak Mortgage Solutions offers a breadth of alternative lending products to allow our clients to grow their business and better serve their customers. We re-connect qualified home buyers with the investor community to create a win/win/win for the borrower, originator and investor. As a highly entrepreneurial organization, we are able to quickly adapt to the needs of our clients and embrace a strong service-based culture.

Angel Oak Mortgage Solutions currently offers alternative correspondent mortgage lending services across Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Oklahoma, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.