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Asset Qualifier Home Loan

Asset Qualifier Home Loan

A Mortgage That Qualifies Using Assets Instead Of Income
Angel Oak’s Asset Qualifier product gives homebuyers the ability to qualify for a mortgage using their liquid assets. Borrowers must have a minimum of $500,000 in assets post closing. Qualifying assets include retirement, checking, savings accounts and stocks.

Bank Statement Home Loan

Bank Statement Home Loan

A Mortgage For Self-Employed Borrowers
Angel Oak Home Loan’s Bank Statement program is a loan option for eligible self-employed borrowers to purchase or refinance a home. This program allows personal or business bank statements to calculate income without requiring tax returns.

Investor Cash Flow Loan

Investor Cash Flow Loan

A Mortgage For Real Estate Investors
Angel Oak's Investor Cash Flow loan uses the cash flow on a home to qualify for an investment property. Tax returns are not required. This loan saves you from submitting complicated income statements and tax returns.

Jumbo Home Loans

Jumbo Home Loans

A Mortgage For Homes That Exceed Conforming Limits
Angel Oak Home Loans Jumbo program consists of Gold Prime, Prime Jumbo, and non-QM Platinum Jumbo mortgage options. A Jumbo loan is for home purchases that exceed the conforming limit set by the FHFA. Our non-QM Platinum Jumbo loan is for homebuyers who just miss Prime qualifications.

Portfolio Select Home Loan

Portfolio Select Loan

A Mortgage For Borrowers Who Have Recovered From A Credit Event
Our full doc Portfolio Select mortgage loan allows just one year out of foreclosure, short sale or deed-in-lieu and two years out of bankruptcy. No need to wait seven years to purchase or refinance with this flexible loan solution!
Angel Oak’s Portfolio Select home loan is a full doc mortgage that only requires one year out of foreclosure, short sale, or deed-in-lieu and two years out of bankruptcy. Homebuyers with these circumstances or other credit events may not meet the requirements of strict traditional underwriting guidelines. Portfolio Select was created specifically for these “just missed” homebuyers.
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