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


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

Credit Buster

If you need a super hero loan program to save the day, Angel Oak Home Loans has the solution for you! Let AOHL put our “super powers” to work with the Credit Buster loan. A FHA Program that allows credit scores below 580.

  • 500 Minimum Credit Score
  • Max LTV 90%
  • Max Ratios of 31/43 for energy efficient homes 33/45
  • Must be DU Approve/Eligible
  • Gifts Allowed-NO DPA or grants allowed
  • Single Family and Condominiums

Asset Qualifier

Perfect for borrowers with high net worth and significant assets.

  • No employment, no income, no DTI
  • Primary residence, purchase only
  • Credit score 700 minimum
  • Loans up to $3 million (minimum $150,000)
  • 5 years seasoning for foreclosure, short sale, or bankruptcy
  • Maximum LTV-75%
  • Borrowers must have a minimum of $500,000 post closing assets.
  • Qualifying assets can be retirement, checking, savings accounts and
  • stocks.
  • All assets must be sourced and seasoned for a minimum of 12 months