Jumbo Home Loan

Jumbo mortgage loans are for homebuyers purchasing a higher-priced home that exceeds conforming limits.

Angel Oak offers traditional and non-traditional (non-QM) Jumbo loan options. A Jumbo loan is for home purchases that exceed the conforming limit set by the Federal Housing Finance Agency.

Our non-QM Platinum Jumbo mortgage product is for homebuyers who do not qualify for traditional financing guidelines. This loan product allows the flexibility needed to purchase the home of your dreams!

  • Loan amounts from $250,000 to $3 million
  • Single family, townhouses, and warrantable condos
  • Primary, second home and investment properties
  • One year tax return required
  • Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Available for purchases and cash-out or rate-term refinances
  • Non-warrantable condos allowed

*Interest only options may not be available in all states. Loan amount over $1.5 million requires a borrower-paid second appraisal. Effective 7/10/2020.


What is a Jumbo Loan?

A Jumbo loan is a mortgage loan that exceeds the conforming limits set by the Federal Housing Finance Agency. A Jumbo loan can help home buyers purchase or refinance higher priced properties.

What is the Jumbo loan limit?

A Jumbo product is used for a loan amount that exceeds the conforming loan limit in your area. At Angel Oak Home Loans, our Jumbo loan products have a maximum loan amount of $3 million and a minimum loan amount of $250,000.

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