Angel Oak Mortgage Solutions · Lender
Angel Oak Mortgage Solutions
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
At a glance
- Borrower type
- Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers. Borrowers with ITIN cards can qualify for a mortgage as long as they meet the eligibility requirements. This loan product is a full doc Non-QM mortgage offering flexibility for individuals residing in the United States.
- Property use
- Primary residence
- Credit requirement
- 640
- Reserves
- 3 Months Reserves
Our take: Pros & Cons
What we like
- Uses an ITIN for borrowers without an SSN.
- Full-documentation and 12- or 24-month bank-statement options are advertised.
What to consider
- Primary residences only; this listing does not cover investment or second-home financing.
- Published guidelines list minimum 640 FICO, maximum 80% LTV and three months of reserves; additional restrictions apply.
- Confirm residency, property type, income documents, state availability and the applicable loan limits with a participating mortgage professional.
AI-generated lender-level assessment based on published information. Not a verified assessment of ITIN Mortgage Loan; confirm program-specific conditions below.
Additional lender considerations
- Obtain personalized rates, APR, fees and a Loan Estimate. Approval is not guaranteed.
Newcomer requirements
ITIN Mortgage Loan
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- SSN
- Not required — confirmed
- ITIN
- Accepted. Published conditions apply. Read the full lender requirements below before applying.
- Residency / visa
- Published conditions apply. Read the full lender requirements below before applying.
- Minimum credit score
- 640
- Income documentation
- Borrowers may qualify using 12 or 24 months of bank statements or full documentation, subject to debt-to-income ratio and income verification requirements.
- Employment documentation
- Borrowers may qualify using 12 or 24 months of bank statements or full documentation, subject to debt-to-income ratio and income verification requirements.
- Reserves
- 3 Months Reserves
- Property restrictions
- SFR, PUD, Townhomes, Duplexes, and Warrantable condos only (9 stories or less)
- Occupancy
- Primary residence
View full lender requirements
- SSN
- Not required — confirmed
- ITIN
- 640 Min Fico 80% Max LTV 12 or 24-Month Bank Statement Options Purchase or Rate & Term Available: Up to $750,000 Cash-Out Refi Available: Up to $550,000 with 75% LTV and 680 FICO Terms Available: 30 year or 15 year fixed Full Documentation Option Maximum DTI: 50% Purchase or Rate & Term / Maximum DTI: 43% Refi Cash Out SFR, PUD, Townhomes, Duplexes, and Warrantable condos only (9 stories or less) Primary Residences Only 3 Months Reserves Gifts allowed (up to 50% of downpayment) No Escrow Waivers. No Interest Only Please contact an Angel Oak Account Executive for complete qualification
- Residency / visa
- Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers. Borrowers with ITIN cards can qualify for a mortgage as long as they meet the eligibility requirements. This loan product is a full doc Non-QM mortgage offering flexibility for individuals residing in the United States.
- Minimum credit score
- 640
- Income documentation
- Borrowers may qualify using 12 or 24 months of bank statements or full documentation, subject to debt-to-income ratio and income verification requirements.
- Employment documentation
- Borrowers may qualify using 12 or 24 months of bank statements or full documentation, subject to debt-to-income ratio and income verification requirements.
- Reserves
- 3 Months Reserves
- Property restrictions
- SFR, PUD, Townhomes, Duplexes, and Warrantable condos only (9 stories or less)
- Occupancy
- Primary residence
- Other conditions
- 640 Min Fico 80% Max LTV 12 or 24-Month Bank Statement Options Purchase or Rate & Term Available: Up to $750,000 Cash-Out Refi Available: Up to $550,000 with 75% LTV and 680 FICO Terms Available: 30 year or 15 year fixed Full Documentation Option Maximum DTI: 50% Purchase or Rate & Term / Maximum DTI: 43% Refi Cash Out SFR, PUD, Townhomes, Duplexes, and Warrantable condos only (9 stories or less) Primary Residences Only 3 Months Reserves Gifts allowed (up to 50% of downpayment) No Escrow Waivers. No Interest Only Please contact an Angel Oak Account Executive for complete qualification
Questions to confirm with the lender (7)
These requirements have not been verified for this program:
- U.S. credit history
- Foreign credit history
- No credit history
- Minimum down payment
- Foreign income
- Foreign assets
- State restrictions
Requirements last reviewed: Oct 24, 2026 · Official requirements source
Rates and costs
ITIN Mortgage Loan
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
ITIN Mortgage Loan
- Borrowers may qualify using 12 or 24 months of bank statements or full documentation, subject to debt-to-income ratio and income verification requirements.
- Borrowers may qualify using 12 or 24 months of bank statements or full documentation, subject to debt-to-income ratio and income verification requirements.
- Reserve requirements: 3 Months Reserves
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
ITIN home financing for qualified borrowers residing in the United States without a Social Security number. This program is limited to primary residences and requires lender underwriting.
Legal lender: Angel Oak Mortgage Solutions LLC
Lending channel: Through mortgage brokers
Provider type: Mortgage company
Lending channels: Through mortgage brokers. Origination status: Not stated.
NMLS identifier: 1160240
Published service states: AL,AZ,AR,CA,CO,CT,DE,DC,FL,GA,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MI,MN,MS,MO,MT,NE,NV,NH,NJ,NM,NC,ND,OH,OK,OR,PA,RI,SC,SD,TN,TX,UT,VA,WA,WV,WI,WY
More lender directory information
Parent: Angel Oak Companies. Former names: Not stated.
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
Directory verified: 2026-10-24 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 21, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.