Working with a full-service lender like us has its advantages. For instance, we have loan offerings that other lenders do not that include non-QM products. Non-QM loans are products for homebuyers who cannot qualify for traditional Agency loans. These homebuyers simply do not fit into the Fannie Mae or Freddie Mac guideline box.  We also offer government insured loans for those who do meet the guidelines and are eligible. The bottom line is this…..do not turn away a homebuyer because you aren’t sure if they qualify. Have your client call me first – I can tell them exactly which loan is...

Try Our FHA, Conventional and HomeReady Products!  Advise your homebuyers to call us first as we have loan options and resources like no other lending institution! Our Federal Housing Administration (FHA) product is for homebuyers who need a lower down payment option and/or lower credit requirements. Eligible borrowers can qualify with a very low down payment based on their credit score. Our Conventional loan adheres to the GSE (Fannie Mae and Freddie Mac) guidelines and are available with down payment flexibility for qualified homebuyers. Our HomeReady offers high loan-to-value ratio (LTV) financing to help homebuyers qualify for a mortgage with a lower down payment....

Spring is here and the weather will soon be perfect to be outdoors. Take care of a few things around the house now so you can focus on fun later. Not only will you enjoy your home more, but can feel confident that it is good working order for your family.   These tips allow you to enjoy your time later AND protect your most important investment – your home! As always, let me know how we can help with any loan needs such as a refinance or new mortgage.   Spring To-Dos For Homeowners:   Replace batteries in smoke alarms and carbon monoxide detectors....

We are proud to announce the members of our team who qualified for Scotsman Guide’s Top Originator list for 2020. For the past 11 years, Scotsman Guide has ranked originators based on dollar volume, most loans closed, and performance in niche areas. Congratulations to all of our Licensed Mortgage Advisors.       Scotsman Guide 2020 Top Originators award: Donnie Walton – McKinney, TX Randi Barrett – Covington, LA Richard Staley – Atlanta, GA Joseph Dollar – Atlanta, GA Debbie Bennett – Atlanta, GA Mandie Anderson - Columbia, SC Claire Crow - Brookhaven, MS Rickey Powell - Tifton, GA Bonnie Barnes - Wilson, NC Tara Purvis - Valdosta, GA Wellborn Price – Atlanta, GA JP Meglio – Woodland Hills, CA Talbot Greene - Greenville,...

Homebuyers call us every day asking us for help with their unique situations. Many of them have been turned away by another lender simply because they did not have another loan option for them. Many of them aren’t sure if they qualify based on changed financial circumstances, they are self-employed, real estate investors with multiple properties, and other reasons. Typically, the conversation starts with “I have a unique situation” or “ Here’s my story please advise on how you might help me purchase a home”.  In most situations, the conversation ends with an application started and a plan in place...

Instead of wondering if the market is favorable to move, or if you are eligible for a refinance, or how a work situation or change in financial circumstances affects getting a mortgage….why don’t you just call and ask?   That’s right – you don’t have to be ready with a new house in mind or have your mind made up that a refinance makes sense. You can just call us and have a conversation.   Plenty of people call us every day just to ask a few questions. Here are some common questions that we have received lately:   How do I get rid of my...

We have some exciting news to share — Angel Oak has been named a Top Workplace in The Atlanta Journal-Constitution Top Workplaces! For the 7th consecutive year! This award is especially distinctive because it is based solely on the feedback from our employees. Being named a Top Workplace is a big deal – and earning it again for the 7th year means we are getting it right! We’re especially honored because the judges were all the Angel Oak employees.  Read More ...

 ATLANTA--(BUSINESS WIRE)--Angel Oak Home Loans (“Angel Oak”), a leading full-service retail mortgage lender, announces the opening of its newest office, located in Reno, Nevada. Three additional branches in Houston, Texas, Carson City, Nevada, and Natchez, Mississippi are also expected to open soon. The purchase market continues to surge and is projected to set records in 2021. Qualifying for a home loan can be more challenging as financial circumstances have changed for many homebuyers across the country. Mac Cregger, senior vice president and divisional manager, explains the importance of expanding, “Our goal is to provide a wide array of offerings including our non-QM...

  We are excited to announce that Angel Oak Capital just issued a $275 million securitization rated by Fitch with the senior A1 bond rated triple A. Since 2015, Angel Oak has issued 22 non-QM securitizations totaling approximately $7.7 billion. Investor confidence in non-QM remains strong due to strong performance and demand in the market. This latest Fitch rated securitization is great news for Angel Oak as we continue to grow.   The details of this securitization are impressive: All bonds were oversubscribed in the deal and the execution on AOMT 2021-1 resulted in the lowest cost of debt (~1.0%) we have seen since the...

Advise your self-employed homebuyers to call us first as we have loan options and resources that other lending institutions do not offer. Our Bank Statement program is our most highly utilized loan product for good reason - many self-employed people cannot qualify using tax returns. Instead, they can qualify using 12 or 24 months of business or personal bank statements or 1099 earning statements.   For those self-employed or 1099 borrowers who can use tax returns to qualify, we now have a one year tax return program. They can submit the most recent tax return to qualify if they are eligible. This...