Angel Oak Mortgage REIT (AOMD) extends loan facility, adds home equity credit

Filing Impact

(Moderate)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Angel Oak Mortgage REIT, Inc. filed an update describing an amendment to a loan financing facility with “Global Investment Bank 2,” executed on April 22, 2026. The parties revised the Pricing Side Letter so the seller underwriting guidelines now include home equity revolving lines of credit.

The amendment also extends the facility’s termination date to April 21, 2028, providing a longer-term source of financing under the updated terms. The full Amendment No. 5 to the Pricing Side Letter is filed as an exhibit and incorporated by reference.

8-K Event Classification

Item 8.01 — Other Events

1 item

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Key Figures

Amendment execution date: April 22, 2026 Facility termination date: April 21, 2028 Senior Notes coupon: 9.500% +1 more

4 metrics

Amendment execution date April 22, 2026 Date Angel Oak Mortgage REIT and a subsidiary amended the Pricing Side Letter

Facility termination date April 21, 2028 New termination date for the amended loan financing facility

Senior Notes coupon 9.500% Coupon on Senior Notes due 2029 listed on NYSE under AOMN

Senior Notes coupon 9.750% Coupon on Senior Notes due 2030 listed on NYSE under AOMD

Key Terms

Pricing Side Letter, loan financing facility, home equity revolving lines of credit, Item 8.01 Other Events, +1 more

5 terms

Pricing Side Letter financial

"amended the Pricing Side Letter for its loan financing facility"

loan financing facility financial

"Pricing Side Letter for its loan financing facility with the lender"

home equity revolving lines of credit financial

"updates the seller underwriting guidelines to include home equity revolving lines of credit"

Item 8.01 Other Events regulatory

"Item 8.01 Other Events. On April 22, 2026, Angel Oak Mortgage REIT, Inc."

Regulation S-K regulatory

"redacted pursuant to Item 601(b)(10)(iv) of Regulation S-K"

A set of U.S. Securities and Exchange Commission rules that tell public companies which narrative and qualitative details must be disclosed in filings, such as risk factors, management discussion, executive pay, legal proceedings and business description. Think of it as a standardized checklist or blueprint that ensures investors get the same types of background information from every company so they can compare risks, management quality and strategy before making investment decisions.

Understanding 8-K Material Events →

04/27/2026 - 04:22 PM

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported): April 22, 2026

Angel Oak Mortgage REIT, Inc.

(Exact name of registrant as specified in its charter)


Maryland	001-40495	37-1892154
(State or other jurisdiction of incorporation or organization)	(Commission File Number)	(I.R.S. Employer Identification No.)

980 Hammond Drive, Suite 200, Atlanta, Georgia 30328

(Address of Principal Executive Offices and Zip Code)

Registrant’s telephone number, including area code: (404) 953-4900

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common stock, $0.01 par value per share	AOMR	New York Stock Exchange
9.500% Senior Notes due 2029	AOMN	New York Stock Exchange
9.750% Senior Notes due 2030	AOMD	New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).


Emerging growth company			☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.			☐

Item 8.01 Other Events.

On April 22, 2026, Angel Oak Mortgage REIT, Inc. (the “Company”) and one of its subsidiaries, amended the Pricing Side Letter for its loan financing facility with the lender, “Global Investment Bank 2.” The amendment updates the seller underwriting guidelines to include home equity revolving lines of credit. The amendment also extended the termination date of the loan financing facility to April 21, 2028.

A copy of Amendment No. 5 to the Pricing Side Letter is attached hereto as Exhibit 10.1 and incorporated herein by reference.


Exhibit No.		Description
Exhibit 10.1	+	Amendment No. 5 to the Pricing Side Letter by and among Global Investment Bank 2, AOMR TRS SPE, LLC and Angel Oak Mortgage REIT, Inc., dated April 22, 2026
Exhibit 104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

+ Portions of this exhibit are redacted pursuant to Item 601(b)(10)(iv) of Regulation S-K.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


Date: April 27, 2026									ANGEL OAK MORTGAGE REIT, INC.

									By: /s/ Brandon Filson
									Name: Brandon Filson
									Title: Chief Financial Officer and Treasurer

Source: View Original Filing on SEC EDGAR

FAQ

What did Angel Oak Mortgage REIT (AOMD) change in its loan financing facility?

Angel Oak Mortgage REIT amended its loan financing facility Pricing Side Letter with Global Investment Bank 2. The update revises seller underwriting guidelines and allows inclusion of home equity revolving lines of credit, broadening the types of loans that can be financed under this facility.

How long is Angel Oak Mortgage REIT’s amended loan financing facility effective?

The amendment extends the termination date of the loan financing facility to April 21, 2028. This longer term provides extended access to financing under the updated Pricing Side Letter, subject to the agreed underwriting guidelines and other terms between the parties.

Which loan types are newly covered in Angel Oak Mortgage REIT’s facility?

The amended Pricing Side Letter updates seller underwriting guidelines to include home equity revolving lines of credit. This means those revolving home equity products can now be financed through the facility, alongside any other loan types already permitted by the agreement.

Who are the counterparties to Angel Oak Mortgage REIT’s amended Pricing Side Letter?

The amendment is among Global Investment Bank 2, AOMR TRS SPE, LLC and Angel Oak Mortgage REIT, Inc. These parties are listed in Amendment No. 5 to the Pricing Side Letter, which is filed as Exhibit 10.1 and incorporated by reference.

What exhibit did Angel Oak Mortgage REIT file with this 8-K?

Angel Oak Mortgage REIT filed Amendment No. 5 to the Pricing Side Letter as Exhibit 10.1. Portions of the exhibit are redacted under Item 601(b)(10)(iv) of Regulation S-K. An Inline XBRL cover page interactive data file is provided as Exhibit 104.

Filing Exhibits & Attachments

5 documents

Agreements & Contracts

EX-10.1 EX-10.1 236.9 KB