What REIT Investors Should Know About Angel Oak’s IPO

What REIT Investors Should Know About Angel Oak’s IPO

Private-label mortgages are making a comeback.

The past year has been particularly good for the mortgage banking industry. The COVID-19 pandemic prompted aggressive action out of the Federal Reserve, which cut benchmark interest rates to zero and reinstated bond- and mortgage-backed security purchases. The mortgage banking industry had its best year since 2003, and a slew of mortgage originators took advantage of the good times and went public.

The latest mortgage bank to go public is Angel Oak Mortgage (NYSE:AOMR) . It has a different business model than most of the other public mortgage banks, so it pays to understand what it does.

Non-qualified mortgages are a little different

Angel Oak is a real estate finance company that focuses on non-qualified mortgage (non-QM) origination. These loans are different than the typical mortgage originated by companies like Rocket or UWM Holdings. Those companies focus on loans that are guaranteed by the U.S. government. Non-QM loans have characteristics that make them ineligible for a government guarantee. The most common reason for this ineligibility is the borrower’s income. Some self-employed borrowers may find that tax returns understate their income. Others want to rely completely on rental income to make the mortgage payments. Since these loans are not guaranteed by the government, the lender is exposed to credit risk. Continue reading What REIT Investors Should Know About Angel Oak’s IPO

Hillcrest, CA Unsecured Guarantor Loan Lenders. All North Park, CA Financial Institutions Practices by Rank

Hillcrest, CA Unsecured Guarantor Loan Lenders. All North Park, CA Financial Institutions Practices by Rank

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There are some payday loans enterprises in hillcrest, which run on a legal reasons and strictly comply with legislation, which manages these job. There was a time whenever these companies include promoting and low handles would create a lot of owners entering your financial troubles gap and facing selection abuse. The current laws possesses charged some limitations on pay day loan suppliers. Continue reading Hillcrest, CA Unsecured Guarantor Loan Lenders. All North Park, CA Financial Institutions Practices by Rank

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