Angel Oak Mortgage Solutions Review
Founded 2013 · Atlanta, GA · Nationwide
4.1
Editor Rating
Angel Oak Mortgage Solutions is a leading non-QM lender offering DSCR, bank statement, and investor cash flow loans. One of the largest non-QM originators in the country with a wide broker network.
Editor's Take
Angel Oak is the top choice for self-employed investors who need bank statement loans. As one of the largest non-QM lenders in the country, they have deep expertise in alternative documentation. If your tax returns don't reflect your real income and you need a bank statement product for an investment property, Angel Oak should be at the top of your list. Work with a mortgage broker who specializes in non-QM to access their products.
— Bill Rice, 30+ year mortgage lending veteran
Pros & Cons
Pros
- Strong bank statement loan programs
- DSCR and investor cash flow products
- Large, established non-QM lender
- Foreign national programs
- Wide broker network — available through many mortgage brokers
Cons
- Works through brokers (not direct-to-consumer for many products)
- Slower closings than fintech lenders
- Higher minimum credit score than some DSCR competitors
Loan Products Offered
Eligible Property Types
Best For
Compare Angel Oak Mortgage Solutions
Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.