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...

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...

There is a lot of talk in the industry about 2020 being the year for non-QM. Even though it’s the fastest growing segment in the mortgage industry, many people are still unfamiliar with non-QM mortgage products. Angel Oak Home Loans offers non-QM in our portfolio suite of products along with traditional financing. Chances are you will hear about the benefits of it over and over this year and it could help...

You can create inviting curb appeal even with snow covering the lawn, brown dormant lawns, bare trees or plants void of blooms. It doesn’t have to be costly, either, to make your investment look its best year-round. Here are some great ideas to make you smile every time you pull up to your home this winter. Look to colorful potted evergreens or plants with berries that can withstand cold. Enhance...

Real estate will be a top choice to invest in this year which is great news for investors. There are changes, though, that your investor clients need to know before they go to get a loan. Fannie Mae no longer allows buyers to qualify using the proposed rental income on non-owner occupied purchases unless they have a minimum of one year as a landlord. The same is true for...

Our goal of going above and beyond for our clients certainly paid off in 2019. Our company is known as industry leaders who offer innovative mortgage loan solutions to help more people achieve homeownership. As well, we continuously grow and change to meet the needs of our clients in an ever-changing industry. Along with traditional loan financing, we offer a portfolio suite of options comprised of non-QM products. Our non-QM...