Angel Oak Mortgage Solutions Wholesale Mortgage Rates, Through an Independent Broker
Non-QM specialist for self-employed and non-traditional income.
Duane Buziak, Mortgage Maestro (NMLS #1110647), has an active wholesale relationship with Angel Oak Mortgage Solutions and submits files directly into its wholesale channel. This page explains what Angel Oak Mortgage Solutions is generally known for, who it tends to fit, and how to get a real quote sourced from its current wholesale rate sheet.
Independent broker with wholesale access — Duane is not affiliated with, endorsed by, or an employee of Angel Oak Mortgage Solutions. This page reflects a genuine wholesale relationship Duane originates through directly.
What Angel Oak Mortgage Solutions Is Known For
- One of the best-known non-QM specialists in wholesale lending
- Bank-statement and asset-based qualification options
- Built specifically for self-employed and non-traditional-income borrowers
Program Fit & Flexibility
Angel Oak Mortgage Solutions's wholesale guidelines generally show a minimum credit score of 600 FICO floor on Bank Statement and Portfolio Select programs; 660 on Platinum Jumbo, with down payment requirements of As low as 10% (90% LTV, no MI) on Portfolio Select. Loan amounts and program range: Non-QM loan amounts up to $3 million (Platinum Jumbo). Documentation type: 12–24 month bank statement, full doc, asset qualifier (no income/employment). Minimum credit score, down payment, and DTI thresholds change with the lender's current guidelines — Duane confirms exact numbers against Angel Oak Mortgage Solutions's live rate sheet at the time your file is priced, so nothing here is a fixed promise.
Angel Oak Mortgage Solutions vs. a Typical Wholesale Alternative
| Feature | Angel Oak Mortgage Solutions | Typical Alternative Wholesale Lender |
|---|---|---|
| Program focus | One of the best-known non-QM specialists in wholesale lending | Varies by lender — compare at time of application |
| Credit score flexibility | 600 FICO floor on Bank Statement and Portfolio Select programs; 660 on Platinum Jumbo | Commonly 620 conventional / 580 FHA as a baseline |
| Down payment range | As low as 10% (90% LTV, no MI) on Portfolio Select | Commonly 3–5% conventional, varies by program |
| Loan amount range | Non-QM loan amounts up to $3 million (Platinum Jumbo) | Varies by lender and program |
| Documentation type | 12–24 month bank statement, full doc, asset qualifier (no income/employment) | Varies by lender and program |
Getting a Real Angel Oak Mortgage Solutions Quote Through the NoTouch Credit Pull
Duane's NoTouch Credit Pull is a soft-pull pre-approval that shows real, program-specific numbers from Angel Oak Mortgage Solutions's wholesale rate sheet without a hard inquiry on your credit.
Start My NoTouch Pre-ApprovalWorked Example
A self-employed borrower with a 680 credit score and 15% down on a $400,000 purchase, qualifying through Angel Oak Mortgage Solutions's bank-statement non-QM program instead of standard W-2 documentation. On a $340,000 loan at an illustrative 7.5% wholesale rate, principal and interest runs approximately $2,377/month — before taxes, insurance, or PMI.
APR and payment figures above are illustrative only, not a rate lock, quote, or offer — actual pricing depends on Angel Oak Mortgage Solutions's live wholesale rate sheet, credit profile, loan amount, and program at time of application.
Frequently Asked Questions — Angel Oak Mortgage Solutions
Do I need W-2 income to qualify through Angel Oak Mortgage Solutions?
No. Angel Oak Mortgage Solutions is known in the wholesale market for non-QM programs, including bank-statement and asset-based qualification for borrowers who don't fit a standard W-2 file — exact eligibility depends on the borrower's documentation and the current rate sheet.
Does Angel Oak Mortgage Solutions lend directly to consumers?
No. Angel Oak Mortgage Solutions funds loans exclusively through independent wholesale brokers, so a broker relationship like Duane's is required to access its wholesale non-QM pricing.
How do bank statement loans work for self-employed borrowers?
Bank statement loans evaluate 12 to 24 months of personal or business bank deposits to calculate qualifying income instead of relying on personal tax returns or W-2 statements.
What is the minimum credit score for Angel Oak Mortgage Solutions programs?
Angel Oak's guidelines start with a 600 FICO floor for Bank Statement and Portfolio Select programs, and a 660 FICO floor for Platinum Jumbo options.
What is the maximum loan amount available with Angel Oak?
Angel Oak Mortgage Solutions provides Non-QM loan amounts up to $3 million under their Platinum Jumbo and specialty non-conforming products.
Is private mortgage insurance (PMI) required on low down payment Non-QM loans?
No. Many Angel Oak Non-QM programs, such as Portfolio Select with up to 90% LTV (10% down), do not require private mortgage insurance (PMI).
What is an Asset Qualifier program?
Asset Qualifier allows high-net-worth borrowers to qualify based solely on liquid assets without requiring proof of employment or employment-based income streams.
Can real estate investors use DSCR programs through Angel Oak?
Yes. Angel Oak offers investor Non-QM loans based on property cash flow (Debt-Service Coverage Ratio), allowing investors to qualify without personal income documentation.
How does Duane's NoTouch Credit Pull work with Angel Oak Mortgage Solutions?
Duane uses a soft credit check to access Angel Oak's live Non-QM rate sheets, giving you an accurate pricing quote without affecting your credit score.
Can I qualify after recent credit events like bankruptcy or foreclosure?
Yes. Angel Oak specializes in credit-seasoning flexibility and offers options for borrowers recovering from prior credit events, subject to specific portfolio guidelines.
Are full documentation standard loans available through Angel Oak?
Yes. While known as a premier Non-QM specialist, Angel Oak also offers full documentation options alongside alternative documentation solutions.
Why access Angel Oak through an independent broker like Duane Buziak?
Working with an independent broker gives you direct wholesale access to Angel Oak while allowing Duane to benchmark their terms against 30 other wholesale lenders.
How can I compare my current Non-QM quote to Angel Oak's rates?
Upload your current quote or Loan Estimate to Duane's "Dare to Compare" tool for a direct side-by-side pricing analysis against Angel Oak's live rate sheet.
Compare Angel Oak Mortgage Solutions Against the Rest of the Wholesale Market
Already have a quote? Bring it — Duane runs it head-to-head against Angel Oak Mortgage Solutions and every other lender in the directory.
Bring My Quote — Dare to Compare