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FHA

The Federal Housing Administration (FHA) is a government-backed initiative created to increase home ownership. FHA loans offer low down-payment requirements and flexible credit requirements. If you sell your home, the buyer can take over the loan (subject to loan approval). This type of loan also allows a co-applicant to help you qualify, even if they do not live in the home.

*The services and products advertised are not approved or endorsed by HUD, USDA, the Department of Veterans Affairs, or any government agency.

If you have any questions, please contact us.

Bank Statement

Have a self-employed client who has had difficulty obtaining a mortgage?

  • No Tax Returns Required
  • Personal Bank Statement qualified based on 12 or 24 month average monthly deposits**
  • Business Bank Statement qualified based on 12 or 24 month average monthly deposits**
  • Loans to $3 Million
  • Interest Only Available*
  • 2 Years Seasoning for foreclosure, short sale, bankruptcy, deed In lieu
  • Owner-Occcupied, 2nd homes, investment properties allowed
  • Non-warrantable condos considered
  • Gift funds allowed
  • No pre-pay penalty for owner-occupied and/or 2nd homes
  • SFRs, town homes, condos, 2-4 units

If you have any questions, please contact us.

*Interest-only options will not be available in all states. Please contact your lma for more details. These products may have a higher interest rate, more points or more fees than other products requiring documentation.
**Verification of expense ratio required from CPA

 

Portfolio Select

Don’t let your clients “just miss” their homebuying opportunity.

The Portfolio Select program from Angel Oak Home Loans is designed for buyers who may otherwise “just miss” the requirements of today’s strict conventional underwriting guidelines.

  • Loans to $3 Million
  • Interest Only Program Available*
  • 2 Years Seasoning for Foreclosure, Short Sale, Bankruptcy, Deed In Lieu
  • Owner-Occupied, 2nd Homes, Investment Properties allowed
  • Non-Warrantable Condos Allowed
  • 1 year tax return program for self-employed available

If you have any questions, please contact us.

*Interest-only options will not be available in all states. Please contact your licensed mortgage advisor for more details.

Home$ense

Waiting years to buy a home is no longer necessary.

  • 1 Day out of foreclosure, short sale, bankruptcy, deed in lieu (including jumbo loans)
  • As little as 500 Minimum Credit Score (Including Jumbo Loans)
  • Loans to $1 million
  • DTI Up to 50% Considered
  • Owner-occupied, 2nd homes, Investment Properties
  • Non-warrantable Condos Considered

If you have any questions, please contact us.

VA

VA home loans are available through the Department of Veterans Affairs to eligible veterans, reservists, active-duty personnel or eligible family members.

  • Fixed-rate options available.
  • No down payment or monthly mortgage insurance premiums.
  • Credit requirements are flexible.
*If you are a veteran, previously, active or retired or a National Guard or Reserve member you may be eligible for a VA loan. An unmarried surviving spouse of a veteran who died on active duty or later from service-connected causes may also be eligible for the home loan benefit. Verification of employment is required. Not all applicants will qualify under the program guidelines. Each applicant will be evaluated and rates, terms and conditions of the loan may differ depending on each applicant.

If you have any questions, please contact us.

Investor Cash Flow

Attention real estate investors – Are you looking to expand or build your real estate portfolio?

Our investor cash flow program was created to serve your real estate investment goals.

  • Loans to $1.5 million
  • No personal income used to qualify
  • Qualification based on property cash flow
  • 2 years seasoning, foreclosure, short sales, or bankruptcy, deed in lieu
  • No tax returns required
  • Interest Only Option†

If you have any questions, please contact us.

*These products may have a higher interest rate, more points or more fees than other products requiring documentation.

†Interest-only options may not be available in all states. Please contact your Licensed Mortgage Advisor for more details.

 

Foreign National

Looking to purchase in the US but not a US citizen?

Products available for second homes or investment.

  • Purchase and refinance available
  • No SSN or ITIN required
  • Non-us credit accepted
  • Self-employed: Minimum 2 years verified by CPA in country of origin with income verification
  • No tax returns required

If you have any questions, please contact us.

You can also Submit Your Loan Inquiry OR Contact Us.

Jumbo Loans

Traditional and portfolio loans available.

  • Owner-Occupied, 2nd Homes, Investment Properties allowed
  • Loans outside of the non-confirming limits, up to $3 million
  • Low down payment options available
  • Interest only options

If you have questions, please contact us.

If you have any questions, please contact us or visit.

+ Interest-only options may not be available in all states.

USDA

This program is administered by USDA Rural Development, which serves the public through more than 800 field offices nationwide. USDA offers borrowers with low to moderate income an opportunity for better affordable housing finance options with little or no down payment.

  • 100% financing available to qualified borrowers
  • Closing costs can potentially be covered by the seller or financed into the loan
  • Zero down payment required

If you have any questions, please contact us.