Angel Oak Expands Its Non-QM Options With New ARM Offerings – NMP Skip to main content

Angel Oak Expands Its Non-QM Options With New ARM Offerings

Oct 09, 2025
Non-QM Growth Drives Surge In Non-Conforming Loans

Non-QM lender launches new adjustable-rate mortgage solutions to provide increased flexibility for borrowers and originators in an evolving rate environment

Angel Oak Mortgage Solutions LLC has launched its new five-year and seven-year adjustable-rate mortgage (ARM) products, among the first of their kind in the Non-QM space. These solutions expand Angel Oak’s suite of solutions for originators and borrowers seeking more flexibility and competitive rate structures.

Angel Oak’s ARMs feature a fixed interest rate for an initial period of either five- or seven-years before adjusting on a six-month basis based on market conditions. ARMs can offer lower initial interest rates and payment advantages, particularly appealing as the yield curve normalizes and the Federal Reserve signals further potential rate cuts.

“With rate expectations shifting and borrowers demanding more choices, these ARM products give originators new tools to serve clients seeking to optimize affordability and potentially take advantage of future rate movement,” said Tom Hutchens, president of Angel Oak Mortgage Solutions. “This launch underscores our commitment to supporting the non-QM ecosystem, from self-employed borrowers and real estate investors to creditworthy individuals who don’t fit the traditional lending box.”

The introduction of these new offerings reinforces Angel Oak’s position as a go-to partner for originators seeking access to a diverse portfolio of Non-QM solutions. 

“Angel Oak has always been at the forefront of Non-QM product development,” Hutchens added. “We’re focused on giving originators every possible advantage in today’s market, and that means offering smart, flexible lending solutions designed to meet real borrower needs.”

Angel Oak Mortgage Solutions is a nonbank wholesale and correspondent lender of Non-QM loans, operating in 46 states and the District of Columbia.

About the author
Published
Oct 09, 2025
More from
Non-QM
Behind The Non-QM Numbers: How Experienced Originators Choose The Right Income-Documentation Path

How choosing the right income-documentation method upfront can help originators avoid costly delays, underwriting setbacks, and missed opportunities in Non-QM lending

Oct 30, 2026
Beeline Announces Job Cuts While Pursuing Non-QM Growth

The lender is targeting $3 million in annual savings after forecasting its strongest revenue since 2021, with a bank statement loan promotion approaching its Oct. 31 lock deadline

Oct 26, 2026
Investor Homebuying Slows, Small Buyers Claim Biggest Share In 15 Years

Smaller investors accounted for 66.2% of investor purchases in the first half of 2026 and relied on cash much less often than mega-investors

Oct 22, 2026
For The Love Of Mortgage

Nearly four decades in lending have reinforced a veteran’s conviction: lasting success comes from solving borrower problems, adapting, and earning trust

Oct 21, 2026
The Non-QM Opportunity Beyond The Rate Conversation

For business owners and investors, purchase price, negotiating power, and cash flow can create reasons to buy before rates fall

Oct 21, 2026
Carrington, Newfi Stress Non-QM Staying Power

Both lenders point to financial strength and continued investment in broker partnerships amid rising rates, even while Non-QM production grows

Oct 14, 2026