Angel Oak Mortgage Solutions

Thông tin cơ bản

Chương trình QM

• Conventional

Loss payee

Angel Oak Mortgage Solutions LLC ISAOA, ATIM 980 Hammond Drive, Suite 850 Atlanta, GA 30328

Điều khoản CPL hoặc subordinate

Angel Oak Mortgage Solutions LLC ISAOA, ATIM 980 Hammond Drive, Suite 850 Atlanta, GA 30328

Chính sách khóa lãi & phí

Chính sách khóa lãi

Gia hạn khóa lãi

NQM Pricing: 11:00 am – 8:45 pm Eastern (Max of 2 extensions not to exceed 15 days total) 1-15 day extension (you choose), at a cost of 2.5bps/day

Khóa lại

Relock Terms-Only applicable on expired locks • Max Relock Period: 15 days with a .25 relock fee • .25 relock fee is applied to final pricing in TPO Connect under Pricing Product and Lock. • You are allowed a maximum of two relocks or extensions combined. Relock Parameters: • If a Non QM or Agency lock has expired, it must either wait 45 days to relock at current market with past extension fees removed or relock immediately at worse case pricing for a max of 15 days. • In the worst-case pricing scenario, pricing will be based on the worst case rate sheet. Either the initial lock or current market pricing will be applied along with a 25 bps relock fee and any previous extension costs. Extension Calculation Example: .00025 x Loan Amount = $$ (Extension Cost Per Day) Ex: .00025 x 500,000= $125 (Extension Cost Per Day)

Lock & Shop

Không

Thế mạnh & overlay của lender

Thế mạnh của lender

Heloc & CES Matrix-1st and 2nd TD's

Non QM Program Highlights_May 2025

Allow lender credit to cover BPC for QM, Jumbo, Non-QM, HElOAN, Excludes Helocs.

Product Highlights & Niche Programs

1. Bank Statement Loans

• For self-employed borrowers

• Up to 90% LTV, credit starting at 640

• 12 or 24 months personal/business bank statements

• No tax returns required

2. DSCR Loans

• For real estate investors (no income docs required)

• Credit starting at 680

• DSCR ≥ 0.75

• Up to $3M, 85% LTV

• Short-term rentals allowed

3. Foreign National Mortgage

• No U.S. credit required

• Up to $1.5M, 70% LTV

• Assets can be sourced and seasoned abroad

• Can close in an LLC, no SSN/ITIN needed

4. Asset Qualifier

• Qualifies using assets only (no income/employment)

• Up to $4M, 90% LTV

• For self-employed or retired borrowers

5. ITIN Mortgage (+DACA)

• For borrowers without SSNs

• Loans up to $2.5M, 75% LTV

• Bankruptcy, foreclosure, and short sale ok

6. Portfolio Select

• Manual underwriting for borrowers with:

  • Recent credit events

  • Low income doc options

  • Primary, second home, or investment

7. Platinum Jumbo

• Loans up to $4M, credit starting at 680

• High-income earners or self-employed

• Up to 90% LTV, full doc only

8. Closed-End Second Loans

• Up to $750k, up to 85% CLTV

• For primary, second home, or investment

• Fixed rate, no prepayment penalty

9. Bank Statement HELOC

• Up to $750k, 90% LTV

• Interest-only, draw period

• Self-employed OK with bank statements

Overlay của lender

Không có

Thời gian xử lý

Thẩm định ban đầu (ngày)

2

Xét điều kiện CTC (ngày)

2

CD ban đầu (ngày)

1

Đánh giá