Portfolio Select Home Loan

Loans from $250,000 to $2.5 million
One year seasoning for foreclosure, short sale or deed-in-lieu
Two years seasoning for bankruptcy
Purchase, cash-out or rate-term refinance
Owner-occupied, second homes, and investment properties
40 year fixed interest-only available*

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!

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PurchaseRefinance

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Residence Type

Primary ResidenceSecond Home / Investment Property

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Product FAQ

General FAQ

What Is Alt-A?

Alt-A is a loan classification for mortgages falling between Prime and Non-QM. Angel Oak’s Portfolio Select product is specifically for the Alt-A borrower who just misses qualifying for Prime.

Is Portfolio Select A Full Doc Loan?

Yes, this is a full documentation loan product where the borrower is able to submit all income verification documents required by the lender. Consult a licensed mortgage advisor for requirements.

What Is The Maximum Loan Amount For Portfolio Select?

Loan amounts go up to $2.5 million. Talk to a licensed mortgage advisor about loan options that exceed $2.5 million.

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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.