04/26/2026
07/14/2026
Unconventional Mortgages and Loans | A Wealth of Information and Service
Speak to a Live Loan Officer: (800) 718-8906
Speak to a Live Loan Officer: (800) 718-8906
The following are loan programs categorized by Niche underwriter guidelines, a series of potential right-fit opportunities for the right mortgage for you. Product and service is what set’s us apart.
All of the following loan programs allow for a 95% LTV for purchase and Rate/Term refinance loans and 85% LTV on cash out refinance loans.
FHA/ DPA Highlights Down Payment Assistance Purchase Only 580 Minimum Credit Score (middle of 3 or lower of 2) * Exceptions down to 500 Credit
Angel Oak Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Bank Statement Loans Bank
Flex Supreme, a leading Non-QM loan program offering top-tier pricing for financially stable borrowers with or without credit challenges. Ideal for non-prime lending solutions.
Lender-Broker Notes Your First Look for Non-QM: Built for real-life borrowers; the self-employed, real estate investors, income diverse and credit-challenged clients. Borrowers that conventional lenders
Super Jumbo Non-Prime Alt Doc – $10,000,000 Documentation: Bank Statements from 600+ FICO to 90% LTV Full Income Documentation to 90% LTV | Tax Returns,
High-LTV program offering up to 96.5% financing with a 630 score, flexible credit rules, and owner-occupied options for purchase or rate-term refinance.