Angel Oak Home Loans LLC will maintain records at
980 Hammond Drive, Suite 850B​, Atlanta, GA 30328, the address of its parent holding company, Angel Oak Lending LLC.

If you have customer service inquiries, please email: licensing@angeloakhomeloans.com

It is our intention to contract with a subservicer(s) who collects payments from borrowers and manages the escrow accounts for taxes and insurance, including making the tax and insurance payments in a timely manner.

Effective January 1, 2013, the California Homeowner Bill of Rights (HBOR) was enacted to ensure fair lending and borrowing practices for California homeowners. The intention of CA HBOR is to assist borrower(s) who are struggling to make his or her mortgage payments by exploring options that may be available in efforts to avoid foreclosure.
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Depending on your financial situation and/or circumstances, some of the options that may be available include, but are not limited to, certain programs such as Loan Modifications and others:  Making Home Affordable (MHA), Assistance Programs (e.g. “U.S. Treasury’s Home Affordable Program (HAMP)” or “Home Affordable Alternatives” (HAFA).If you are a borrower protected under the California HBOR and wish to explore options that may be available, please contact our AOHL Loan Servicing Department toll free at (844) 209-7423.
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Please be aware that having certain financial documents on hand will assist the representative when discussing options available for avoiding foreclosure. Some of the financial documents include, but are not limited to, your most recent paystubs, W-2’s, bank statements, tax returns, etc.
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You may also want to consider contacting the United States Department of Housing and Urban Development (HUD), toll free at (800) 569-4287, to find a HUD-Certified Housing Counseling Agency who may provide additional guidance regarding financial situations and/or circumstances.

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov