Angel Oak Home Loans was very easy to work with. They were prompt at answering questions/concerns, friendly, and the process was very easy. I was able to upload all the documents they needed via a secure website link by dropping the pdf's into the system. I thought buying our dream home was going to be a hassle, but it proved to be quite easy. Thank you to the entire team that helped us get thru the process with ease!
Kristian and his team are amazing! Our Bank Statement product allows eligible self-employed borrowers to qualify for a home loan using personal or business bank statement submissions. Tax returns are not required. Our Portfolio Select product is a full doc mortgage loan for homebuyers who just miss qualifying for Prime guidelines. Our Asset Qualifier product is for homebuyers with significant assets to use to qualify for a loan in lieu of income.
Our Investor Cash Flow product uses the cash flow on a property to qualify for a home loan. Our Jumbo mortgage loan product is for homebuyers purchasing a higher priced home that exceeds conforming limits.
Kristian and his team are amazing! Our Bank Statement product allows eligible self-employed borrowers to qualify for a home loan using personal or business bank statement submissions. Tax returns are not required. Our Portfolio Select product is a full doc mortgage loan for homebuyers who just miss qualifying for Prime guidelines. Our Asset Qualifier product is for homebuyers with significant assets to use to qualify for a loan in lieu of income.
Our Investor Cash Flow product uses the cash flow on a property to qualify for a home loan. Our Jumbo mortgage loan product is for homebuyers purchasing a higher priced home that exceeds conforming limits.
Services
Angel Oak Home Loans is a full-service lender focused on providing innovative mortgage loan products to our borrowers.
Our lending practice was founded upon core principles of providing our clients with a variety of traditional and non-traditional (non-QM) mortgage products that are tailored to meet their individual home financing needs.
Angel Oak Home Loans understands our client's unique mortgage needs and helps guide them through the loan process.
Our mortgage lending approach is comprised of two platforms: retail and consumer direct.
Our lending practice was founded upon core principles of providing our clients with a variety of traditional and non-traditional (non-QM) mortgage products that are tailored to meet their individual home financing needs.
Angel Oak Home Loans understands our client's unique mortgage needs and helps guide them through the loan process.
Our mortgage lending approach is comprised of two platforms: retail and consumer direct.
Our mission starts with WHY we do what we do every day.
We help homebuyers achieve the dream of homeownership through a positive experience.
To offer a positive experience outside, we must have a positive experience inside.
We pride ourselves on being a workplace of experts that feels like home.
Our belief is that it is all about the people.
Our goal is for every employee to succeed and feel like a valued part of the Angel Oak family.
Angel Oak Home Loans continuously has new job openings as we expand across the country.
We help homebuyers achieve the dream of homeownership through a positive experience.
To offer a positive experience outside, we must have a positive experience inside.
We pride ourselves on being a workplace of experts that feels like home.
Our belief is that it is all about the people.
Our goal is for every employee to succeed and feel like a valued part of the Angel Oak family.
Angel Oak Home Loans continuously has new job openings as we expand across the country.
Conventional mortgage products are government guaranteed and offer options that other loans do not.
Federal Housing Administration (FHA) loans are government insured loans for eligile homebuyers that offer low down payments and flexible credit requirements.
USDA or Rural Development home loans offer affordable finance options to homebuyers in qualified rural areas.
VA loans are for eligible veterans, reservists, active-duty personnel or eligible family members.
Asset Qualifier is a mortgage loan product that allows homebuyers to use their assets instead of income to qualify.
Federal Housing Administration (FHA) loans are government insured loans for eligile homebuyers that offer low down payments and flexible credit requirements.
USDA or Rural Development home loans offer affordable finance options to homebuyers in qualified rural areas.
VA loans are for eligible veterans, reservists, active-duty personnel or eligible family members.
Asset Qualifier is a mortgage loan product that allows homebuyers to use their assets instead of income to qualify.
Conventional loan programs offer flexibility and options other loan types do not.
Our conventional loan adheres to the GSE (Fannie Mae and Freddie Mac) guidelines but are available through Angel Oak.
Lenders will require private mortgage insurance (PMI) on conventional loans when a homebuyer is putting less than 20 percent down on a purchase property.
A homebuyer may cancel PMI once they have 20 percent equity in their property.
Yes, a conventional loan may be refinanced.
When refinancing a conventional loan, PMI will be required if the loan to value of the property has less than 20 percent equity.
Our conventional loan adheres to the GSE (Fannie Mae and Freddie Mac) guidelines but are available through Angel Oak.
Lenders will require private mortgage insurance (PMI) on conventional loans when a homebuyer is putting less than 20 percent down on a purchase property.
A homebuyer may cancel PMI once they have 20 percent equity in their property.
Yes, a conventional loan may be refinanced.
When refinancing a conventional loan, PMI will be required if the loan to value of the property has less than 20 percent equity.
Angel Oak's FHA product is a government insured loan by the U.S. Federal Housing Administration.
This loan is for homebuyers who need a lower down payment option and/or lower credit requirements.
Eligible borrowers can qualify with as little as 3.5% down based on their credit score.
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.
This loan is for homebuyers who need a lower down payment option and/or lower credit requirements.
Eligible borrowers can qualify with as little as 3.5% down based on their credit score.
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.
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