Partnering with Angel Oak Home Loans means there isn’t a need to turn buyers away because it sounds like they won’t qualify for an Agency loan. Instead of saying "no", say "call Angel Oak"! You could be selling more homes to a more diverse group of homebuyers consisting of self-employed people, Jumbo borrowers, real estate investors and even those just two-years out of a foreclosure or bankruptcy. Think of the network these people have – you can help them purchase a house and become the go-to Realtor for homebuyers requiring alternative loan solutions. HOW do we accomplish this? Innovative Loan...

We know inventory is tight but now through summer is still the best time to buy a home. There are many reasons why and we have listed a few for you below. More homes to choose from Yes, we know inventory is tight, but keep an eye out as more homes will go on the market. Plenty of people wait until their yards and gardens look their best. Many have kids in school making the summer months a good time to move if the house sells quickly. Lawns and gardens are in bloom It’s easier to tell what the landscaping looks like in spring...

Is your client considering buying a vacation property or a second home? Now may be a great time to purchase! However, qualifying for a loan could be challenging. Fannie Mae and Freddie Mac have tightened guidelines specifically for investment and second home loans. The good news is that homebuyers have other options outside of traditional Agency loans when they work with us. At Angel Oak Home Loans we have multiple loan options for eligible buyers that includes non-QM loan products, whether they are purchasing a single-family residence or a condo. This is what sets us apart from other lenders. Along...

Have you considered buying a vacation home? A secondary property can be a great investment in your future. As well, provide a retreat to you and your family from everyday life. Now may be a great time for you to purchase a second home or a vacation property. At Angel Oak Home Loans we have options that might be right for your situation. Our investor loans are a good option for eligible buyers wanting to purchase a property for the purpose of a second property, whether it is a single-family home or multi-unit condo. The loan can be used for purchases,...

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...