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


Waiting years to buy a home is no longer necessary.

- 1 Day out of Foreclosure, Short Sale, Bankruptcy, Deed In Lieu
- 500 Minimum Credit Score (Including Jumbo Loans)
- Mortgage Lates Are OK
- No Active Tradelines OK with housing history
- Loans to $1 million (Over $1M Case by Case)
- Up to 85% LTV with No MI
- 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, Investment Properties
- Non-Warrantable Condos Considered
- No Pre-Pay Penalty for Owner-Occupied and/or 2nd Homes
- 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

I have unique credit needs

Credit Buster

I want to leverage my assets.

Asset Qualifier