Built for Speed. Driven by Service. Close Quickly with Angel Oak Home Loans.
Angel Oak Home Loans is a full-service lender focused on providing innovative mortgage loan products to our borrowers. Our lending practice was founded upon core principles of providing our clients with a variety of traditional and non-traditional (non-QM) mortgage products that are tailored to meet their individual home financing needs. Angel Oak Home Loans understands our client’s unique mortgage needs and helps guide them through the loan process.
Our consumer direct platform services customers through leads generated online from our digital lending system which integrates consumers directly with our loan products. This model follows an operational workflow designed with high customer service standards for a quick closing.
Executive Leadership Team
At Angel Oak
We pride ourselves on being a workplace of experts that feels like home. Our belief is that it is all about the people. Our goal is for every employee to succeed and feel like a valued part of the Angel Oak family. We believe the company that attracts and retains the best talent wins! Angel Oak Home Loans provides the opportunity for career growth in a professional, positive environment with excellent training and leadership.
Angel Oak Home Loans continuously has new job openings as we expand across the country. We are leading the way with innovative mortgage programs and are looking for hard working candidates to join us. Angel Oak is proud to have been named one of the Top Workplaces by the Atlanta Journal and Constitution for many consecutive years!
Licensing & Disclosures
Angel Oak Home Loans LLC NMLS# 685842, For licensing information, go to: (www.nmlsconsumeraccess.org), Licensed in AL, AZ #0927070, AR, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, CO, CT, DE, DC, FL, GA #32379, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, ND dba AOHL LLC, NE, NV, NH, Licensed by the N.J. Department of Banking and Insurance, NM, NC, ND dba AOHL LLC, OH, OK, OR, PA, Rhode Island Licensed Lender, SC, TN, TX, UT, VT, VA, WA dba AOHL LLC, WV, WI, WY.
Corporate Office: 980 Hammond Drive, Suite 200, Atlanta, GA 30328.
Additional information for Illinois Consumers
Below is the contact information for the State of Illinois, Division of Banking
Illinois Department of Financial and Professional Regulations (IDFPR)
100 West Randolph Street-9th Floor
Chicago, IL 60601
Additional information for Texas Consumers:
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
The information contained herein is for informational purposes only and is not a commitment to lend. The programs, rates, terms, and conditions are subject to change at any time without prior notice. Not all borrowers will meet the requirements necessary to qualify. All loans are subject to credit and property approval. Other restrictions and limitations may apply.
Repayment Period: 30 Year fixed are fully amortized payments for 30 years (360 monthly payments) with principal, interest, taxes, insurance, and homeowners’ association or condo fees (if applicable). Mortgage insurance premiums not included (if applicable). 40 year fixed interest-only option offered on certain Non-QM loan programs: 40 year fixed rate with Interest only payments for the first 10 year period (120 monthly payments), then fully amortized payments for the remaining 30 years (360 monthly payments) with principal, interest, taxes, insurance, and homeowners’ association or condo fees (if applicable). Mortgage insurance premiums not included (if applicable).
Loan Amount: Loan limits may apply, vary by loan program, and could change at any time.
Down Payment: Credit terms require minimum down payment from buyer. Down payment varies by loan program.
Refinances: As a result of refinancing, your total finance charges may be higher over the life of the loan.
Annual Percentage Rate (APR) of 6.482%. Advertised APR example based on a 30 yr. fixed rate conventional mortgage, loan amount of $277k, using current rate, 80% LTV, and a 720+ credit score. APR may be higher based on loan programs, current market rates, borrower eligibility or additional finance charges.