Do you know the value of prospecting to self-employed people? We know Realtors work hard to make sure plenty of opportunities come their way.  Stand out from the competition by carving a niche that includes a large population of people – self-employed! There are around 18 million self-employed people according to the U.S Bureau of Labor Statistics – that’s a lot of potential homebuyers. Our specialty is helping self-employed homebuyers close...

Housing inventory is definitely tight across the country. At this point, no one is worried about selling – the worry is about finding another home to purchase. So what does the housing shortage mean to those wanting to move? Potentially nothing if you have the right lender and Realtor. Realtors are out there selling homes right now – the purchase market is on fire! They know exactly what to do...

Our Bank Statement loan has helped many self-employed homebuyers qualify for a loan without using tax returns. Any Realtor who has worked with us knows how quickly this loan closes for their self-employed clients. We simply calculate income from their bank statement deposits when tax returns can’t be used. Self-employed people who take the allotted tax deductions on their returns may have a problem qualifying for a traditional loan. Tell...

Memorial Day is such an important time to honor those who sacrificed their lives protecting our country. We also turn our thoughts to those currently serving and appreciate their bravery keeping us safe. It is our honor to offer a home loan specifically for veterans to achieve their dream of homeownership. Our VA home loan is for eligible veterans, reservists, active-duty personnel or eligible family members.  Whether you are a veteran...

Our outside-the-box mortgage products help Realtors step outside-their-box! We talk to many Realtors who try to help a self-employed homebuyer in the past who ended up not qualifying. The Problem: Deductions on tax returns. The Result: Realtors are avoiding challenging situations to get their clients to qualify and lose out on a sale. The Answer: Don’t miss out on an opportunity to increase your commission! At Angel Oak Home Loans we have loan options to help...

We are excited to announce our latest loan product – Gold Prime Jumbo. Why is our Gold Prime Jumbo different from other Prime Jumbo products out there? Ours goes up to 50% debt-to-income! This a big deal and differentiator from other lenders. This makes the third loan option available for Jumbo borrowers. If you want to know why you should work with Angel Oak or what sets us apart from lenders, this is...

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...