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


Angel Oak created the Home$ense program to assist homeowners that were caught in the storm of the global recession and subsequent mortgage crisis. We have all heard the saying that “bad things sometimes happen to good people.” No longer does a borrower have to wait 4 + years to buy a home after a credit event. Move on from the past and begin again!

- Loans Up To $1 million (Over $1M Case by Case)
- Credit Scores Down To 500 (Including Jumbo loans)
- 1 Day Out Of Foreclosure, Short Sale, BK, DIL
- Up to 85% LTV With No MI
- Mortgage Lates Are OK
- 100% Gift Funds Allowed
- 5/1 ARM Or 30-year fixed
- Seller Concessions To 6% (2% for investment)
- DTI Up To 50% Considered
- Owner-occupied, 2nd homes, and Investment properties
- Non-Warrantable Condos Considered
- No Pre-Pay Penalty For Owner-Occ And 2nd homes
- No Active Trade lines OK With Housing History
- SFRs, Townhomes, Condos, 2-4 Units
- Up To 100% Investor Concentration Allowed

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

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