FHA Home Loan

Available for purchase, cash-out or rate-term refinance
Down payments can be gifted with required source verification
Seller can contribute up to 6% of the purchase price towards the buyer’s closing cost
Down payments as low as 3.5%*

Angel Oak’s FHA product is a government insured loan through the U.S. Federal Housing Administration. This loan is for homebuyers who need a lower down payment option and/or flexible credit requirements. Eligible borrowers can qualify with as little as 3.5% down based on their credit score.

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Product FAQ

General FAQ

What Is The Income Limit For An FHA Loan?

A lender will look at a debt to income ratio. FHA indicates this to be 43% or less. This means that your combined debts should be no more than 43% of your gross monthly income. There are exceptions and a lender can verify.

How Does An FHA Loan Work?

An FHA loan is insured by the Federal Housing Administration (FHA). This loan helps borrowers who need lower down payments or who have lower credit scores. Borrowers can qualify for an FHA loan with a down payment as little as 3.5% based on their credit score. A lender can verify credit scores.

Do You Have To Pay Closing Costs On A FHA Loan?

Sellers can pay closing costs up to six percent of the purchase price. This can include lender fees, property taxes, homeowners insurance, escrow fees and title insurance. A lender can provide more information and these can vary.

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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, 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.