“Being self employed and in addition owning investment properties creates unique challenges in todays mortgage world. Rick Dial and his team were able to guide us through the challenges to closing in a timely manner with a very competitive rate. I would not hesitate to recommend his team to friends, family and Co-workers. Thanks Guys!” -Tom W.


“Rick and his team were fantastic to work with throughout what is typically a difficult and stressful process. They handled every situation that arose calmly and kept us at ease. Very knowledgeable handling our VA loan and the VA process. Would highly recommend Angel Oak Loans to anyone.” Craig L.


“Rick was great! Fast, prompt and courteous. I would use him again!” -Gary J.


“Rick is amazing! He made the loan process as easy as it could possibly be. I highly recommend him. Thank you Rick!” -Ana G.


“Rick and his team were understanding of the stress involved in buying a house, and worked with us to meet whatever need we had. If we ever are in the market to buy another home, we most certainly will work with Rick again. It was the easiest and best home-buying experience we have ever had.” – Scott G.


“Rick Dail is a tireless worker. His available fortitude to educate, coach, and demonstrate his professionalism won us not just on the first day but through until the end. Some let life happen to them, Rick happens to life. Thank you Rick for an awesome lending experience.” -Beau B.


“Rick Dail and Brooklyn Muñoz were amazing to work with as a first time home buyer. Rick personally met with my husband and I and explained the best loan options. He and Brooklyn were excellent communicators from the time our offer was accepted up until the closing day. They responded quickly to all of our emails and were extremely helpful during the entire process. We felt so cared for and we highly recommend Angel Oak Home Loans!!” -Sarah J.


“Rick Dail and the Angel Oak team are incredible!!” -Gene D.


“Had an easy and effortlessly experience with these guys! Very trustworthy, transparent, efficient, and organized. I’d def work with them again!” -Peter S.


“Rick and Team, Thank you so much for making our loan process seamless and smooth. Michael and I truly appreciate your efficient customer service, friendly staff, and professional attitude. If I could give more than five stars, I would!!” -Elise S.


“I am truly humbled and grateful to Rick Dail, and his wonderful staff at Angel Oak Home Loans. Their professionalism, dedication and support to help make my dream become a reality, was unsurpassable. It’s beyond challenging, and extremely frustrating to get a mortgage, as a self-employed individual, so I have to mention their patience with me was exceptional! After moving from my wonderful home of 47 years, and being single for 11 years, I am finally a homeowner again.Thanks doesn’t do it justice, as I will always be grateful to you.” -Lisa B.


“Excellent communication. Process was quick and easy! Will definitely recommend for all family/friends.” -Kelly C.


“Excellent experience working with Rick and his team! The whole process from beginning to end was seamless. Rick and his team offer professional expertise with a personal touch. This is my 3rd transaction with Rick and I couldn’t be happier! I highly recommend working with Angel Oak Home Loans.” -Lynda L.


“Rick took his time to explain all the options to us, and gave us no pressure to complete the loan. He was patient, and I felt like he had our best interests in mind. I will be using Rick every time I need a home/refinance loan. I cannot overstate how great the experience was for us.” -Scott G.


“From start to finish Rick and his team had everything under control and kept us informed the whole way. With all the covid19 issues it was still an incredibly easy process. Rick found us an incredible interest rate and talked through all our options. This is actually our second time with Rick. Excellent work and communication both times. We have had a wonderful experience and will work with them again.” -Susanne M.


“My experience with Rick and the entire team at Angel Oak was overwhelmingly positive. I began investigating refinancing options with them, but like most consumers, I did seek other quotes and advice. By far and hands down, Angel Oak exceeded my expectations from start to closing and I would highly recommend them to anyone.” -Evan B.


“Rick and Brooklyn are amazing!! They were very patient and understanding of our situation and worked with us through every step of the way to ensure that everything went smoothly! They always responded to my questions right away and provided top of the line customer service!” -Erica L.


“Rick was amazing! I own a small business and he made my new home process seamless! From start to finish he was top notch!! Will strongly recommend Angel Oak Loans and Rick” -John B.


“This is my first time to apply the bank statement loan program. Rick and Jennafer are so awesome to work with, hardworking, attention to details, very responsive, and help people at personal level! I will not hesitate to work with these guys again for future loan applications and sure will refer them to my friends. Definitely it’s a very happy and positive experience!” -Brian Y.


“I had the complete honor of getting to know Rick Dail at Angel Oak over the past year as I was preparing myself to get a non-qm mortgage using bank statements. I was astonished at how friendly, knowledgable and professional Rick was. Every time I spoke with Rick it was as if I was speaking with a friend who was genuinely looking out for me and guiding me in a complete unbiased way. He always wanted the best for me, and at times, even directed me elsewhere if he thought I could get a better product/rate. This doesn’t happen anymore. But it was his work ethic that made me stay with Angel Oak – I knew I would be taken care of, and Rick did just that. He delivered. Three weeks from starting the mortgage process with him, I sit here writing this review from the house I just closed on. I will never work with another lender. I am recommending my friends and family to go with Rick and Angel Oak. Thanks, Rick!” -Jake C.