Offering a diverse range of products to meet your needs

Our Products

Angel Oak Companies is a diversified, financial services company focused on identifying opportunities in the lending and credit markets. Since 2008, Angel Oak Companies has successfully launched multiple businesses in three key areas:

Asset Management1

  • Over $6B in total Assets Under Management (AUM)
  • $3B in residential mortgage-backed assets
  • Invested over $600 million in subordinated-debt from banks ranging in assets from $500M to $20B


  • Established four lending platforms focused on mortgage and real estate financing: Retail, Consumer Direct, Investor, and Wholesale
  • Over $2.8B in origination since inception
1As of 3/31/17

I need a jumbo mortgage.

Performance Jumbo

I need a mortgage and my situation is less than perfect.

Portfolio Select

I need a new mortgage but have had a foreclosure or short sale.


I want to buy or refinance investment properties.

Investor Cash Flow

I am searching for the lowest rate.


I am a Military Veteran or currently active serving.


I am seeking a low down payment.


I am buying a home in a rural area.


I would like a fixed rate mortgage.

Fixed Rate

I am self-employed and need a mortgage.

Bank Statement

I need a low down payment jumbo mortgage.

Jumbo Buster

Refinance your second home or investment property.

Foreign National

Bank Statement

Have a self-employed client who has had difficulty obtaining a mortgage?

Angel Oak Home Loans Bank Statement Program allows self-employed borrowers the ability to qualify based on a 12 or 24 month average of deposits using their personal or business bank account.

- No Tax Returns Required
- Personal Bank Statement qualified based on 12 or 24 month average monthly deposits**
- Business Bank Statement qualified based on 24 month average monthly deposits**
- 620 Minimum Credit Score
- Up to 90% LTV (No MI) allowed on Personal and Business
- Loans to $3 Million (Minimum $150,000)
- Interest Only Available*
- 5/1 ARM or 30-year fixed
- 2 Years Seasoning for Foreclosure, Short Sale, Bankruptcy, Deed In Lieu
- Owner-Occupied, 2nd Homes, Investment Properties allowed
- Non-Warrantable Condos Considered
- Gift Funds Allowed
- No Pre-Pay Penalty for Owner-Occupied and/or 2nd Homes
- SFRs, Townhomes, Condos, 2-4 Units
- DTI Above 35/43 Considered with 660+ Credit Score

*Interest-only options will not be available in all states. Please contact your lma for more details.
**Verification of expense ratio required from cpa

For more information contact us here or fill out an loan inquiry

Watch this video for more information on Angel Oak’s Bank Statement programs

I have unique credit needs

Credit Buster

I want to leverage my assets.

Asset Qualifier