Business Details
Trusted Non-QM Mortgage Solutions in Atlanta
Angel Oak Mortgage Solutions has established itself as a pioneer in non-QM wholesale lending, serving brokers and non-delegated correspondents nationwide. Founded on the principle of creating financial equity through homeownership opportunities, our company specializes in providing flexible mortgage solutions for underserved borrowers who do not meet standard agency financing guidelines. Our team of qualified mortgage professionals leverages cutting-edge technology, including our automated QuickQual tool, to streamline loan submissions and deliver rapid eligibility determinations.Recognized as a Top Workplace by the Atlanta Journal Constitution for seven consecutive years, we operate independently within the Brookfield Asset Management family while maintaining our focus on responsible lending practices. With headquarters in Atlanta and an operations center in Irving, Texas, we offer innovative programs across 47 states, including D.C., while maintaining strict compliance with all federal and state licensing requirements.
Services
Non-QM Mortgages
Bank Statement Loans
DSCR Loans
Portfolio Select Mortgages
Adjustable-Rate Mortgages
Highlights and features
- We are the leader in non-QM mortgage lending with nationwide reach
- Our QuickQual tool provides instant loan eligibility determinations
- Specialized programs for self-employed and credit-recovery borrowers
- Recognized as Top Workplace by Atlanta Journal Constitution for 7 years
- Streamlined digital platform enables paperless loan processing
What people say
Streamlined their process
Excellent customer service
Made the process easy
Always available
Rocked my world
Services
Non-QM Mortgages
Specialized mortgage products for borrowers who don't meet standard agency guidelines. Designed for self-employed individuals and those with unique financial situations, these loans offer flexible underwriting criteria while maintaining responsible lending standards. Our non-QM solutions help qualified borrowers achieve homeownership through tailored qualification requirements.
Bank Statement Loans
Mortgage programs that use bank statements instead of traditional income documentation. Ideal for self-employed borrowers with variable income streams, these loans allow qualification based on actual cash flow patterns. Our streamlined process makes it easier for brokers to secure financing for clients with non-traditional income sources.
DSCR Loans
Debt Service Coverage Ratio loans designed for real estate investors. These products evaluate property cash flow rather than personal income, making them ideal for portfolio builders. Our DSCR program offers competitive terms for rental property acquisitions with simplified documentation requirements.
Portfolio Select Mortgages
Full documentation loans for borrowers with past credit challenges. Allows reduced seasoning periods for foreclosures and bankruptcies, helping qualified applicants re-enter the housing market sooner. This program supports borrowers who have demonstrated financial recovery through responsible credit management.
Adjustable-Rate Mortgages
Flexible mortgage products with interest rates that adjust after initial fixed periods. Available in 5/6 ARM, 7/6 ARM, and 30-year fixed options, these loans provide cost-effective solutions for qualified borrowers. Our ARM products feature clear adjustment parameters and rate caps to protect borrowers.
People
Tom Hutchens
President
Bringing extensive mortgage industry leadership experience, Tom Hutchens oversees strategic operations as President of Angel Oak Mortgage Solutions. His expertise in non-QM lending drives our commitment to innovative solutions for underserved borrowers.
John Jeanmonod
EVP of Production
As Executive Vice President of Production, John Jeanmonod manages loan origination operations with over 15 years of mortgage industry experience. He leads our production team in delivering efficient, borrower-focused mortgage solutions.
Travis LaLonde
EVP, Credit
Travis LaLonde directs credit operations with deep expertise in non-agency lending. His leadership ensures responsible underwriting practices while maintaining our commitment to accessible mortgage solutions for qualified borrowers.
Alysse Prosnick
EVP, Operations
Alysse Prosnick leads operational excellence across our mortgage platforms. With extensive experience in mortgage operations, she drives process improvements that enhance efficiency while maintaining strict compliance standards.
Melanie Por
VP Credit Risk
Melanie Por manages credit risk strategy with specialized expertise in non-QM lending. Her analytical approach balances responsible lending practices with our mission to expand homeownership opportunities for qualified borrowers.
Questions
What are non-QM mortgage loans?
Non-QM (Non-Qualified Mortgage) loans are alternative mortgage products that use different qualification criteria than standard agency loans, helping borrowers with unique financial situations obtain financing.
How does your loan process work?
Our digital platform enables paperless submissions with automated tracking. Brokers submit documentation through our system and receive rapid eligibility determinations using our QuickQual tool.
Do you offer financing for self-employed borrowers?
Yes, we specialize in bank statement loans that allow self-employed individuals to qualify based on actual cash flow patterns rather than traditional income documentation.
What states do you operate in?
We provide mortgage solutions in 47 states plus D.C., with dedicated operations centers in Atlanta and Irving supporting brokers nationwide.
How quickly can loans be closed?
Our technology enables rapid processing, with QuickQual providing eligibility responses within minutes rather than the traditional 24-hour timeframe.
What credit situations do you handle?
We offer Portfolio Select mortgages with reduced seasoning requirements, allowing qualified borrowers to purchase or refinance just one year after foreclosure or two years after bankruptcy.