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It can be frustrating for borrowers to learn that the condo they’re looking at is classified as non-warrantable, but have no fear. There are options, whether the loan is for a primary residence, a vacation home or an investment property.

Correspondent Non-Delegated

New Rez – SmartCondo

• Max LTV 90% for Purchase (80% for condotel)
• Max LTV 80% for Cash out (Not Permited for condotel)
• Max DTI is 45%
• Minumum FICO 660 (680 for condotel)

Broker Non-Delegated

Angel Oak – NON-PRIME ≤ 80%

• 75% LTV for credit scores down to 500
• 80% LTV for credits scores at 540

Angel Oak - NON-PRIME >80%

• Debt Consolidation up to 90% LTV

Angel Oak - PLATINUM

• Just Missed agency fallout
• Perfect for SE borrowers using bank statements for income
• Borrowers with a major credit event between 4-7 years

Angel Oak – PLATINUM >90%

• Just Missed agency/Jumbo fallout
• 95% LTV up to $1.5MM

Angel Oak – PORTFOLIO SELECT

• Perfect for Borrowers With High Net Worth and Significant Assets
• No other income required

Angel Oak – INVESTOR CASH FLOW

• No Income/No ratio program designed for investors.
• Program qualifies using the cash flow of the subject property only

Angel Oak – FOREIGN NATIONAL

• Program is for borrowers that live and work outside of the US

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