Portfolio Non-QM Loans

Our Specialized Mortgage Products

Investor Cash Flow Loan

Mortgage 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.

Jumbo Home Loans

A Mortgage 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!

Portfolio Select Home Loan

A Mortgage After Credit Events
Credit worthy borrowers who have recovered from credit events such as a foreclosure no longer have to wait seven years to purchase or refinance.

Asset Qualifier Home Loan

No employment or income required
Angel Oak's Asset Qualifier program allows borrowers can use their liquid assets to qualify for a mortgage.

Foreign National Home Loan

A Loan For Foreign Nationals Living Outside The United States
Borrowers who live outside the U.S. can qualify for an investment property using the cash flow of the property for qualification.

ITIN Home Loan

For Borrowers Without Social Security Cards
An Individual Tax Identification Number (ITIN) loan is for borrowers to qualify without Social Security cards.

Traditional Loans

Our Specialized Mortgage Products

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.

USDA Home Loan

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

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.
AL
AZ
AR
CA
CO
CT
DE
FL
GA
ID
IL
IN
IA
KS
KY
LA
ME
MD
MI
MN
MS
MO
MT
NE
NV
NH
NJ
NM
NC
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VT
VA
WA
DC
WI
WY

Let's Get Started

Property State
Loan Purpose
Looking For A Specific Mortgage Advisor?
Are You Self-Employed?
Residence Type
Credit Score
success check icon
Thanks! A Mortgage Advisor Will Be In Touch With You Shortly.
Oops! Something went wrong while submitting the form.

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.