Platinum Mortgage Program

Credit scores starting at 660  |  Up to 90% LTV, No MI

Angel Oak’s Platinum Jumbo Mortgage program is a competitively priced product for borrowers who just missed qualifying for conventional financing. Stop losing clients and missing deals by working with us to close more loans than ever! Give your Jumbo borrowers the great news that you have an aggressively priced option that could help them realize the home of their dreams.

  • Minimum 660 FICO
  • Max 90% LTV
  • Interest Only Available up to 85%
  • Loans up to $3 million, Minimum loan of $250,000
  • Ratios as high as 40 Front / 50 Back
  • 1 Year Tax Returns okay for Borrower SE past 2 Years
  • 4 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Owner-occupied, 2nd homes, and investment properties
  • Purchase and cash-out or rate-term refinance
  • NO MI
  • Cash out proceeds can be used as reserves