Portfolio Select Program

Credit scores down to 620  |  Up to 85% LTV with no MI

Capture more business with Angel Oak’s innovative Portfolio Select mortgage product. We have created a program for the Alt-A borrower with all of the flexibility, features and benefits of Non-QM programs.

  • Minimum 660 FICO
  • Max 85% LTV with no MI
  • Loans up to $2.5 million
  • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Purchase and cash-out or rate-term refinance
  • Owner-occupied, second homes, and investment properties
  • Non-warrantable condos considered
  • Up to 50% DTI
  • Gift funds allowed