Jumbo Home Loans

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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Gold Prime Jumbo

  • Up to 50% debt-to-income
  • As low as 10% down based on requirements
  • Loan amounts up to $3.5 million
  • Primary, second home and investment properties
  • Single family, townhomes, and warrantable condos
  • Seven years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Purchase, cash-out and rate-term refinance

Prime Jumbo

  • Loan amounts up to $3 million
  • Primary, second home and investment properties
  • Single family, townhomes, and warrantable condos
  • Seven years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Purchase, cash-out and rate-term refinance

Non-QM Platinum Jumbo

  • Loan amounts up to $3 million
  • Primary, second home and investment properties
  • Single family, townhomes, warrantable and non-warrantable condos
  • Four years out of foreclosure, short sale, bankruptcy or deed-in-lieu
  • One year tax return program available
  • Purchase, cash-out and rate-term refinance
  • 40 year fixed interest-only available*

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.

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Product FAQ

General FAQ

What Is A Jumbo Loan?
A Jumbo loan is a mortgage loan that exceeds the conforming limits set by the Federal Housing Finance Agency. A Jumbo loan can help home buyers purchase or refinance higher priced properties.
What Is The Jumbo Loan Limit?
A Jumbo product is used for a loan amount that exceeds the conforming loan limit in your area. At Angel Oak Home Loans, our Jumbo loan products have a maximum loan amount of $3 million and a minimum loan amount of $250,000.