Angel Oak Mortgage Solutions

Bank Statement loans specifically for self-employed borrowers including 1099 earners. We accept 12 or 24 months of personal or business bank statements. Our bank statement review team analyzes and calculates income upfront saving our client’s time. Two years seasoning for bankruptcy, short sale, and foreclosure. Credit scores start at 600 and loan amounts go up to $3 million.

Platinum Jumbo is a non-QM option for borrowers who do not meet Prime qualifications. This loan goes up to $3 million with an LTV up to 95%. Four years seasoning for bankruptcy, short sale and foreclosure. A one-year tax return program is available. Credit scores start at 660.

Investor Cash Flow loans are for real estate investors wanting a quick close without submitting income documents. This loan qualifies on the cash flow of the property with loan amounts up to $1.5 million. Minimum DSCR is 1.0 and no DSCR needed with a minimum 700 FICO and maximum 75% LTV.

Portfolio Select is a full doc loan for those who miss Agency requirements. One year seasoning for foreclosure, short sale or deed-in-lieu and two years for bankruptcy. Credit scores start at 600. 90% LTV with no MI. Loan amount up to $2.5 million.

Asset Qualifier allows borrowers to use their liquid assets for qualification. No employment or income required. five years seasoning for foreclosure, short sale, or bankruptcy.

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