We are proud to announce our latest milestone funding over $10 billion in non-QM lending since our founding. Angel Oak has over 26,000 loans funded which is testament to our commitment in the  non-QM space. We are not slowing down already working on our next volume milestone. Mike Fierman, managing partner and co-CEO of Angel Oak Companies says it best, “The mortgage industry, at its core, is a business about people — providing homeowners with the right solutions, connecting originators with new opportunities and ensuring that the Angel Oak mission is present in all of our team’s practices.” Read the details of...

Angel Oak Home Loans (“Angel Oak”), a leading full-service retail mortgage lender, announces the opening of two new branches located in Centennial, Colorado, and Natchez, Mississippi. Michael Chabot, VP, licensed area manager at Angel Oak Home Loans, will lead the lender’s Colorado branch and Britni Gwin will manage the Mississippi office. These two branches mark the firm's 6th branch opening in the span of 30 days. Learn more about our newest branches and how we are better servicing homebuyers across the U.S. in our press release. Full Press Release ...

Our outside-the-box mortgage products help Realtors step outside-their-box! We talk to many Realtors who try to help a self-employed homebuyer in the past who ended up not qualifying. The Problem: Deductions on tax returns. The Result: Realtors are avoiding challenging situations to get their clients to qualify and lose out on a sale. The Answer: Don’t miss out on an opportunity to increase your commission! At Angel Oak Home Loans we have loan options to help self-employed borrowers, real estate investors, and anyone with unusual circumstances or credit challenges. Our specialty is out-of-the box loan solutions for those homebuyers who do not fit neatly in the...

We are excited to announce our latest loan product – Gold Prime Jumbo. Why is our Gold Prime Jumbo different from other Prime Jumbo products out there? Ours goes up to 50% debt-to-income! This a big deal and differentiator from other lenders. This makes the third loan option available for Jumbo borrowers. If you want to know why you should work with Angel Oak or what sets us apart from lenders, this is it! Our multiple loan options that other lenders do not have differentiates us and allows us to help more homebuyers. Our Jumbo program is available for purchases, cash-out or rate-term...

Recently, the Federal Housing and Finance Agency limited government sponsored enterprises (GSE) Fannie Mae and Freddie Mac to a 7% cap on loan purchases for investment properties and second homes. This means that lenders who sell these types of loans to Fannie Mae and Freddie Mac will be subject to restrictions if their volume exceeds 7%. This could present a challenge for people looking to purchase investment properties or second homes. Below we have addressed answers to questions we have received surrounding the restrictions: How does this impact lenders? It could pose a real challenge. Real estate investors see a significant opportunity...

We are proud to announce the launch of the AOMT 2021-2 which is the U.S. industry’s first non-Agency RMBS that qualifies as a social bond. Our latest securitization offers a unique first of its kind environmental, social and governance (ESG) component that has not been completed before in the non-Agency space. This securitization based on an ESG perspective is specifically for the underserved borrower helping people who otherwise would not have closed on a mortgage loan without non-QM. To us, this is not just a business transaction, but a commitment to a community of borrowers requiring alternative solutions to achieve...

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...