Portfolio Select Home Loan

Portfolio Select is a full doc mortgage loan product for the “just missed” homebuyer.

Angel Oak’s Portfolio Select mortgage loan product is for homebuyers who “just miss” the requirements of today’s strict traditional underwriting guidelines.

  • Loans up to $2.5 million
  • Up to 85% LTV with no MI
  • Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Available for purchase and cash-out or rate-term refinance


What is Alt-A?

Alt-A is a loan classification for mortgages falling between Prime and Non-QM. Angel Oak’s Portfolio Select product is specifically for the Alt-A borrower who just misses qualifying for Prime.

Is Portfolio Select a full doc loan?

Yes, this is a full documentation loan product where the borrower is able to submit all income verification documents required by the lender. Consult a licensed mortgage advisor for requirements.

What is the maximum loan amount for Portfolio Select?

Loan amounts go up to $2.5 million. Talk to a licensed mortgage advisor about loan options that exceed $2.5 million.