Homebuyers Deserve A Lender With More Loan Options!

We have added to our line-up of portfolio non-QM loan products! Make sure your homebuyer is working with a lender who has options outside of Agency. We are issuing more non-QM loans than ever before. Other lenders might not have the products that we have and have no choice but to turn borrowers away – sometimes right before closing. Don’t let that happen in this competitive market. Have them call us first!

When you help find solutions for your homebuyer’s challenging loan scenario, your referral base and possibly your earning potential increases! Isn’t that the goal? Work with Angel Oak and achieve your goals.


Bank Statement

  • Self-employed who cannot use their tax returns to qualify
  • 12 or 24 months personal or business bank statements
  • Loans up to $3 million
  • Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu

Non-QM Platinum Jumbo

  • A loan option for homebuyers who do not qualify for Prime Jumbo​​​​​
  • Loans up to $3 million
  • Four years out of foreclosure, short sale, bankruptcy or deed-in-lieu
  • One year tax return program available

​​​​​​​​​​​​​​​​Full Doc Portfolio Select

  • Helps eligible homebuyers with credit events buy a home without the Agency standard seasoning of seven years
  • Loans up to $2.5 million
  • One year seasoning for foreclosure, short sale or deed-in-lieu
  • Two years seasoning for bankruptcy

No Income Investor Cash Flow

  • Real estate investors can close quickly without issuing complicated documentation
  • Loans up to $1.5 million
  • Qualifies using property cash flow – no income or employment​​​​​​
  • Non-warrantable condos allowed

​​​​​​​​​​​​​​​Foreign National

  • A loan option for those living and working outside the U.S.
  • No U.S. or foreign credit needed
  • Qualifies on cash flow of the property
  • No income and no employment listed on 1003