Portfolio Select Home Loan

Credit worthy borrowers who have recovered from credit events such as a foreclosure no longer have to wait seven years to purchase or refinance.
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  • 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
  • Non-warrantable condos allowed
  • 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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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.