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.

Home$ense

I want to buy or refinance investment properties.

Investor Cash Flow

I am searching for the lowest rate.

ARMS

I am a Military Veteran or currently active serving.

VA

I am seeking a low down payment.

FHA

I am buying a home in a rural area.

USDA

FHA

The Federal Housing Administration Loan (FHA) is most suitable for borrowers who are looking for a lower down payment option on a purchase or to refinance a current FHA loan.

Down payment requirements can be low
In contrast to conventional mortgage products, which frequently require down payments of 5% to 20% depending on your credit history, FHA makes it possible to reduce your down payment to as little as 3.5% on multiple types of properties.

Down payment can be accepted as a gift
The down payment can be 100% gifted from a family member or in some cases a charitable organization. Verification of the source of the gift funds is required. The gift funds must be deposited into the borrower’s bank, or in an escrow account, prior to underwriting approval. Cash gifts are not allowed and proof of deposit is required.

- The FHA streamline program currently allows borrowers an opportunity to refinance with no appraisal
- Seller can contribute up to 6% of the borrower’s closing costs

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

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