Lending partner · Non-QM
Angel Oak — a non-QM specialist we shop.
Angel Oak is one of the wholesale lenders we have access to as a broker. They're known for non-QM and bank-statement programs — and we'll shop them when their guidelines fit your file.
A non-QM lender, built for borrowers outside the box.
Angel Oak is widely known in the industry as a non-QM (non-qualified mortgage) lender. Their best-known programs include bank-statement loans, designed for self-employed borrowers and others whose income doesn’t fit neatly into standard W-2 documentation.
Here’s why that matters to you: a strong, well-qualified self-employed borrower can still get a quick “no” from conventional underwriting simply because the paperwork doesn’t fit. A non-QM lender like Angel Oak looks at income differently. Because Choice Home Mortgage is a broker, not a bank, we can route your file to a non-QM specialist when that’s the right fit — alongside the hundreds of other lenders we shop.
The takeaway isn’t “use Angel Oak.” It’s that we have access to lenders like Angel Oak, and we match the borrower to the lender. Curious whether a non-QM loan fits your situation? Start here and we’ll review it.
Angel Oak & non-QM, answered.
What kind of loans is Angel Oak known for?
Angel Oak is widely known as a non-QM (non-qualified mortgage) lender, with programs like bank-statement loans aimed at self-employed borrowers and others whose income doesn't fit standard W-2 documentation. As a broker, we can put your file in front of them when their guidelines are a good match.
Is Angel Oak a good fit for self-employed borrowers?
It can be. Self-employed borrowers are often turned away by conventional underwriting even when they're well-qualified. Non-QM programs like the ones Angel Oak is known for look at income differently. We'll review your situation and tell you honestly whether a non-QM lender is your best path or whether a conventional loan fits better.
Do I work with Angel Oak directly?
No — you work with us. As your broker, Choice Home Mortgage handles the file and shops your loan among many lenders, including non-QM specialists. You get one owner, Esther Buede, guiding the process instead of starting over with each lender yourself.
Self-employed? Let's find your fit.
A non-QM lender might be your path — or it might not. One honest call with the owner and we'll tell you, then shop the right lenders for your file.