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

Portfolio Select

Don’t let your clients “just miss” their homebuying opportunity.

The portfolio select program from angel oak home loans is designed for buyers who may otherwise “just miss” the requirements of today’s strict conventional underwriting guidelines.

- Loans to $3 Million (Minimum $75,000)
- 620 Minimum Credit Score
- Up to 90% LTV (No MI)
- Interest Only Program Available*
- Cash Out for Reserves OK
- Gift funds allowed
- 5/1 ARM or 30-year fixed
- Seller Concessions to 6% (2% for Investment)
- 2 Years Seasoning for Foreclosure, Short Sale, Bankruptcy, Deed In Lieu
- Owner-Occupied, 2nd Homes, Investment Properties allowed
- Non-Warrantable Condos Considered
- No Pre-Pay Penalty for Owner-Occupied and/or 2nd Homes
- SFRs, Townhomes, Condos, 2-4 Units
- DTI up to 50% considered
- 1 year tax return program for self-employed available

*Interest-only options will not be available in all states. Please contact your lma for more details.

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