Offering a diverse range of products to meet your needs

Our Products

In Angel Oak’s family of companies, Angel Oak Home Loans LLC (AOHL) is a full service retail mortgage lender based in Atlanta, GA. Our sister company, Angel Oak Capital Advisors, LLC is an SEC registered investment advisor with over $5.5 billion in assets under management as of 8/24/2015. The combination of AOHL’s expansive capital markets knowledge and non-agency expertise has enabled us to complete the rollout of the 3rd generation of the Portfolio Series.

These programs are specifically designed to drive additional sales in today’s competitive purchase environment.

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

Most suitable for borrowers who have irregular cash flows, want to reap a tax benefit, or to free up cash for investment opportunities.

- No Tax Returns Required
- 12-24 months Personal/ Business bank
- Bank Statement Deposits Used To Qualify
- Loans Up To $3 Million (Minimum $150,000)
- Credit scores down to 620
- Interest Only Available
- Personal To 90% LTV (No MI), business to 80% LTV
- 5/1 ARM or 30-year fixed
- Seller Concessions To 6% (2% For Investment)
- 2 Years Seasoning For Foreclosure, Short Sale, BK, DIL
- Owner-Occ, 2nd Homes, And Investment Props
- Non-Warrantable Condos Considered
- Gift Funds Allowed
- No Pre-Pay Penalty For Owner-Occ 2nd Homes
- SFRs, Townhomes, Condos, 2-4 Units
- DTI Above 35/43 Considered With 660+ Credit Score

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