Our 2019 President Club winners have been announced! Congratulations to the licensed mortgage advisors who achieved outstanding sales results to qualify for President's Club. We are proud of each of you and your commitment to raising the bar! We are proud to announce the licensed mortgage advisors who went above and beyond to earn the distinction of being named to our 2019 President’s Club. These experts achieved outstanding sales results and helped a significant number of people achieve the dream of homeownership. Phenomenal customer service, an adept understanding of the market, assessing borrower’s unique needs and matching the right loan product...

Angel Oak Home Loans, established in 2011, is a retail lender headquartered in Atlanta, Georgia. We pride ourselves on helping homebuyers become homeowners. Our lending practice is based on a core principal of providing consumers a variety of innovative mortgage products tailored to meet their individual home financing requirements. We respect that everyone comes to us with unique circumstances and we are ready to advise them on the very best way to meet their mortgage needs. Offering traditional loan products and a portfolio suite of programs enables us to help a larger population of people including those who did not...

Happy 2020! Based on projections for this year, it’s possible you could work with more millennials and property investors this year. They might require mortgage products other than traditional loan products to qualify. We have both traditional products and a portfolio suite of products designed to help you with the potential to sell more homes to more people. Here are a few projections and how our products fit the current market: Millennials: 36% of all homebuyers in 2019 were millennials surpassing other demographics according to the National Association of Realtors. 4.8 million millennials are set to turn 30 in 2020 and expected...

Angel Oak Home Loans McKinney branch is located about 30 miles north of Dallas. Our branch here is unique in a beautiful city with a small town feel and one of the fastest growing cities in America. As such, the north Texas area is likely one of the most competitive mortgage markets in the country so we have to be different and do things better than our competitors do. Communication is one of the most important parts of any relationship and it is our mission to excel at it. We see time and time again homebuyers reach out to us when...

Buying a house is so rewarding turning it into a home you will love for years. Anyone making their own improvements to their new investment should feel good about all that hard work. You’ve already gained equity in your home through your down payment and payments on your principal. There’s more that you can do to increase the equity even more. The labor involved in making additions or taking on home improvement projects will also increase the value in your home, thereby, increasing the equity in your home. Whether you are the one sweating or you hire someone to sweat...

The Federal Housing Finance Agency recently raised the conforming loan limits for 2020. This is the fourth straight year that the FHFA has increased conforming limits after not raising them for 10 consecutive years from 2006 to 2016. By law, Fannie Mae and Freddie Mac are restricted to buying single family mortgages with origination amounts below a set limit. Loans that fall outside of this limit are Jumbo loans which are considered non-agency and do not adhere to rules set by housing finance agencies. The FHFA released a report that reveals that home prices increased an average of...

Many real estate investors find the holiday season and winter to be a great time to buy properties. Competition from other buyers is down and increased negotiating power with sellers could be likely. Reach out to your investor clients and find out if they take advantage of the market with fewer buyers vying for the same property. Remind them that Angel Oak has an Investor Cash Flow product to help them grow their portfolio. This could be a great way to sell more homes during the holiday lull in the real estate market. Reduced rates for Investor...

The population of self-employed people will continue to grow which could mean that the number of homebuyers who are self-employed will, too. Did you know that an estimated 30% of the workforce in the United States is self-employed? According to the Bureau of Labor Statistics, about 16 million Americans are self-employed accounting for 30% of all employees in the U.S. ...