Our Home Loan Solutions

Portfolio Non-QM Loans

Our Specialized Mortgage Products

Bank Statement Home Loan

A Mortgage For Self-Employed
Our Bank Statement product allows eligible self-employed borrowers to qualify using personal or business bank statement. No tax returns required.
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Business Elite

Better Pricing For Qualified Borrowers
Our Business Bank Statement Elite product allows eligible self-employed borrowers to qualify using business bank statements. No tax returns required.
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Investor Cash Flow Loan

For Real Estate Investors
Angel Oak's Investor Cash Flow Loan is specifically for real estate investors and does not require proof of income or employment to qualify.
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Jumbo Home Loans

For Higher Valued Homes
Our Jumbo program consists of Gold Prime, Prime Jumbo and non-QM Platinum Jumbo. These loan options allow flexibility to purchase the home of your dreams!
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Traditional Loans

Our Specialized Mortgage Products

Conventional Home Loan

A Flexible Loan Solution
Our Conventional mortgage offers flexibility other loan types do not including down payment options.
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FHA Home Loan

Down Payment And Credit Flexibility
A Federal Housing Administration (FHA) loan is a government insured loan offering flexible credit and down payment options.
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USDA Home Loan

For Borrowers In Qualified Rural Areas
Borrowers in designated eligible USDA areas can get a loan with flexible down payment options.
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VA Home Loan

For Eligible Veterans, Reservists, Active Duty And Family Members
VA loans can help eligible veterans, active duty, reservists and family achieve the dream of homeownership. This loan offers up to 100% financing.
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Product FAQ

General FAQ

How Does A Bank Statement Mortgage Program Work?
A bank statement mortgage allows eligible self-employed borrowers to use bank statements to help verify income instead of tax returns. A lender will use these statements to analyze income to prove the ability to repay a loan.
Are Self-Employed Borrowers Required To Use Bank Statement Loan Products?
A bank statement loan is often a great option for qualified self-employed borrowers. However, self-employed borrowers should choose the best loan product to help meet their mortgage needs.
What Is The Difference Between A Bank Statement Loan And A Traditional Mortgage Loan?
Traditional loans will generally require tax returns, W-2s and paycheck stubs in order to verify a borrower’s income. A bank statement mortgage loan offers self-employed borrowers a different option to verify their income without using tax returns.
What Is The Difference Between A Bank Statement Loan And A Traditional Mortgage Loan?
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How Does A Bank Statement Mortgage Program Work?
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Are Self-Employed Borrowers Required To Use Bank Statement Loan Products?
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Loan Servicing: 844.209.7423Speak to Advisor: 833.471.0594
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Licensing & DisclosuresPrivacy PolicyTerms of UseAngel Oak Companies

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, DC, FL, GA #32379, ID, IL, IN, KY, LA, ME, MD, MI, MN, MS, MT, ND dba AOHL LLC, NE, 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. 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.