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Offering a diverse range of products to meet your needs


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.


Angel Oak Home Loans is honored to provide the Veteran’s Affair loan for those who have served and are currently serving. The VA loan is to help assist veterans and their families with obtaining home ownership and financing.

  • Up to 100% financing available
  • No monthly mortgage insurance
  • Surviving spouse may be eligible, as determined by VA.
  • You must be a Veteran, Active Duty Military, or member of the Reserves.
Angel Oak Home Loans VA loans available:
  • Fixed Rate Mortgages (10,15,30 year)
  • Adjustable Rate Mortgages (5 year fixed)


This program is administered by USDA Rural Development, which serves the public through more than 800 field offices nationwide. USDA offers borrowers with low to moderate income an opportunity for better affordable housing finance options with little or no down payment.

Benefits of the USDA program:

  • 100% financing available to qualified borrowers.
  • Closing costs can potentially be covered by the seller or financed into the loan.
  • No down payment required