Our Products
Offering a diverse range of products to meet your needs

Home$ense

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!

  • Up to 85% LTV
  • One day out of Foreclosure & Short Sale & Deed in Lieu
  • Gift Funds Available for 100% of the down payment
  • Mortgage lates last 12 months allowed
  • Loan Amounts to $1M
  • Single-family residence, including townhomes & condominiums
  • Foreign National Program-Non US Credit Accepted
  • In House Underwriting, Processing and Closing
  • Limited Trade Lines

Investor Cash Flow

Are you looking to expand or build your real estate portfolio? Angel Oak may have the solution! Investor Cash Flow was created to serve your real estate investment goals!

  • Qualification based on property cash flow
  • Pull cash out to buy additional properties
  • Credit scores as low as 660
  • Up to 75% LTV
  • Loans up to $1,000,000
  • 1-4 Units and Condominiums (warrantable)
  • Up to 5 properties with Angel Oak
  • No limit on total number of properties
 

Portfolio Select

Are you “just missing” the opportunity to purchase a home due to tight lending standards set by the big banks? Angel Oak’s Portfolio Series Loan might be the right product for you.

  • Loan Amounts up to $2M
  • Credit scores down to a 640
  • Common sense flexible underwriting
  • 1X30 Day Mortgage late allowed
  • All loans are serviced by Angel Oak Home Loans
  • In House Underwriting, Processing and Closing
  • One Year Tax return
 

Performance Jumbo

Angel Oak‘s Traditional In-House JUMBO Loan Product . The Performance Jumbo program allows us to control the entire loan process from set up to servicing. Total control of the process helps increase speed and efficiency allowing faster turn times.

  • In House Underwriting, Processing and Closing
  • All loans are serviced by Angel Oak Home Loans
  • Aggressive Fixed and ARM rates
  • Primary and Second Homes
  • 80% to $1,500,000-Higher case by case basis
 

Foreign National

Most suitable for borrowers who are foreign buyers looking to refinance their second home or investment property.

  • Up To 75% LTV (Purchase OR Refinance)
  • No US Credit Required
  • Fewer Country Restrictions
  • DTI Up To 50% Considered
  • 5/1 ARM Or 30 Year Fixed
  • Minimum Loan Amount Down To $75,000
  • 12 Months Reserved Required
  • Non-Warrantable Condos Considered
  • SFRs, Townhomes, Condos, 2-4 Units
  • Loans Up To $750,000 (Higher Amounts Case by case)
  • No SSN Or ITIN Required
  • Reserves Can Remain In Foreign Account