There are some benefits to being at home more than usual right now such as time with family and the chance to tackle projects around the house. Well, spring is here and it’s a great time to take care of important spring maintenance to get your house ready for warm weather! Winter can take a toll on your home and if certain things aren’t tended to you could be looking at costly repairs. Spring maintenance goes beyond deep cleaning and many homeowners aren’t exactly sure what that checklist entails. No worries! We have put together a list of seasonal maintenance chores...

We are living in unprecedented times as this pandemic causes turmoil in the financial markets. I would like our customers and referral partners to know that Angel Oak Home Loans is moving full-steam ahead and closing loans as quickly as possible. As the loan process is constantly changing, Angel Oak Home Loans is currently operating with the following process improvements: Our employees have shifted to a 100% work from home model Accepting “drive-by” appraisals as per Fannie Mae’s recent guidelines Accepting lender’s policies of title insurance written on the 2006 ALTA loan title insurance form or a local equivalent which includes...

It’s a very gratifying feeling to put a lot of hard work into a home and see it turn out beautifully. It is a very frustrating feeling to find out that the wrong product or handling ended up in a costly repair situation. At times, overdoing certain things or not handling something appropriately can harm your home. Here are a few tips to avoid common mistakes many homeowners make unknowingly:  Light bulbs can be too bright. Everyone wants a brightly lit home to read by or cook in the kitchen. Did you know, though, that exceeding a light fixture’s or...

What sets us apart in the industry is as unique as our people, products and service. We are a full-service lender offering traditional loans and non-QM through our portfolio suite of products. By now you have probably heard about non-QM. Many companies are just picking up non-QM as a fall back option making it important to understand what sets us apart. We have offered these products from the beginning through what we call portfolio lending. Our underwriting is done in-house giving us another competitive advantage. We are a leader in the non-QM space with record setting volume. In 2019 alone, we...

We are excited to announce that the AJC named us one of the Top Workplaces for 2020 for the 6th consecutive year. We believe that the foundation for a great place to work lies in trust, inspiration and a culture that makes working at a company a pleasure. This honor is special because it came from surveys sent from our employees. We work really hard to provide the leadership, communication and support to grow strong teams. It looks like it’s working and we couldn’t be more proud. Our theme for 2020 is “The Difference is You”. Our Angel Oak family continue...

strong {font-weight: bold; color:#006991} We are pleased to extend service past your closing date to ensure you are getting the most out of a very important investment – your home! Keeping a home maintained can help avoid costly repairs down the line and we know it’s important to save as much money as possible to be able to do that. One way to save money is by cutting down your home energy spending. These tips on trimming energy costs is not only good for your home, but your wallet too. Install a programmable thermostat You can get substantial savings with a device...

Our Bank Statement program was created to help self-employed people purchase a home easily and quickly. After all, according to the Bureau of Labor Statistics, about 16 million Americans are self-employed accounting for 30% of all employees in the U.S. That’s a lot of potential homebuyers! Tax returns are not required and buyers no longer have to own 100% of a business. These are a few reasons why our Bank Statement program is one of our most utilized loan solutions for self-employed people. These buyers may not have credit issues and often times are interested in purchasing higher priced homes. The...

Congratulations on your home purchase in 2019! Have you filed your application for a homestead exemption? In certain states, homeowners can submit an application to protect the value of their home from creditors, property taxes and the surviving spouse in the event the other homeowner spouse dies. As well, it can save you from a certain amount of taxes that you owe on your property that can equal a significant amount of money. The house must be the principal residence in order to declare a homestead. Certain restrictions apply based on the state you live in.  As well, the deadline to...

There is a lot of talk in the industry about 2020 being the year for non-QM. Even though it’s the fastest growing segment in the mortgage industry, many people are still unfamiliar with non-QM mortgage products. Angel Oak Home Loans offers non-QM in our portfolio suite of products along with traditional financing. Chances are you will hear about the benefits of it over and over this year and it could help you sell more homes to more people. To follow is some information about non-QM you may not know: Who Are Non-QM Buyers? Self-Employed – these people may have excellent credit and...

You can create inviting curb appeal even with snow covering the lawn, brown dormant lawns, bare trees or plants void of blooms. It doesn’t have to be costly, either, to make your investment look its best year-round. Here are some great ideas to make you smile every time you pull up to your home this winter. Look to colorful potted evergreens or plants with berries that can withstand cold. Enhance the front porch with a new doormat or freshly painted front door. Replace outdoor lightbulbs for a nice warm glow. Use lanterns or pottery on the porch instead of plants....