Angel Oak Mortgage Solutions is a mortgage lender specializing in non-qualified mortgage (Non-QM) programs, with a focus on helping brokers serve borrowers whose circumstances may not fit conventional lending criteria. Its offerings include loans for self-employed borrowers, real estate investors, and people with complex income or credit histories. Programs include bank statement and 1099 income loans, profit-and-loss loans, ITIN mortgages, debt-service coverage ratio (DSCR) financing, jumbo loans, asset qualification, and second mortgages such as HELOCs and closed-end loans. Options support home purchases, refinancing, cash-out transactions, and investment properties, with eligibility varying by program.

The company also provides wholesale lending tools and support for mortgage brokers. Its Angel Oak iQ platform offers a broker approval and closing workflow, while Non-QM QuickQuote provides pricing and eligibility information. Additional resources include pricing access, mortgage calculators, application packages, secure document upload, educational webinars, and account executive support. Angel Oak Mortgage Solutions serves brokers and originators seeking flexible financing options and resources to manage more complex loan scenarios.