Our Mortgage Solutions

      

Portfolio Non-QM Loans

Our Specialized Mortgage Products

Bank Statement Home Loan

A Mortgage For Self-Employed
Our Bank Statement product allows eligible self-employed borrowers to qualify using personal or business bank statement. No tax returns required.
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Bank Statement HELOC

A Flexible 2nd Mortgage for Self-Employed
Angel Oak's Bank Statement HELOC program offers a flexible solution to help self-employed borrowers tap into their home equity while retaining first mortgage.
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DSCR Loan

For Rental Property Investors
Angel Oak's Investor Cash Flow Loan is specifically for real estate investors and does not require proof of income or employment to qualify.
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Jumbo Loan Options

For Higher Valued Homes
A Jumbo loan is for home purchases that exceed the conforming limit set by the FHFA. Our flexible non-QM Jumbo loans are for homebuyers who just miss Prime qualifications. These loan options allow flexibility to purchase the home of your dreams!
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Asset Qualifier Home Loan

No employment or income required
Angel Oak's Asset Qualifier program allows borrowers can use their liquid assets to qualify for a mortgage.
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Closed End Second Mortgage

Second Mortgage for Self Employed
Angel Oak’s Closed End Second Loans program enables self-employed borrowers to tap into their home’s equity while retaining their first mortgage.
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Portfolio Select Home Loan

A Mortgage After Credit Events
Credit worthy borrowers who have recovered from credit events such as a foreclosure no longer have to wait seven years to purchase or refinance.
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Product FAQ

General FAQ

What Is The Difference Between A Bank Statement Loan And A Traditional Mortgage Loan?
Traditional loans will generally require tax returns, W-2s and paycheck stubs in order to verify a borrower’s income. A bank statement mortgage loan offers self-employed borrowers a different option to verify their income without using tax returns.
How Does A Bank Statement Mortgage Program Work?
A bank statement mortgage allows eligible self-employed borrowers to use bank statements to help verify income instead of tax returns. A lender will use these statements to analyze income to prove the ability to repay a loan.
Are Self-Employed Borrowers Required To Use Bank Statement Loan Products?
A bank statement loan is often a great option for qualified self-employed borrowers. However, self-employed borrowers should choose the best loan product to help meet their mortgage needs.
Are Self-Employed Borrowers Required To Use Bank Statement Loan Products?
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What Is The Difference Between A Bank Statement Loan And A Traditional Mortgage Loan?
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How Does A Bank Statement Mortgage Program Work?
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Loan Servicing: 844.209.7424Speak to Advisor: 833.471.0594
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Angel Oak Mortgage Solutions LLC – NMLS ID #1160240 (NMLS Consumer Access). Licensed in AL #21875, AZ #0926930, AK #110480, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act License #4131346. Loans made or arranged pursuant to a California Financing Law License CFL License #60DBO71208, CO Regulated by the Division of Real Estate, CN #ML-1160240, DE #019971, DC #MLB1160240, FL, GA #41747, HI # HI-1160240, ID # MBL-2081160240, IL Residential Mortgage Licensee # MB.6761065, IN #24466, IA #2014-0070, KS MC.0025339, KY #MC292246, LA, ME #1160240, MD #21260, MI #FL0020868, MN #MN-MO-1160240, MS #1160240, MO #19-2400, MT #1160240, NE, NV #4450, NH #22446-MB, Licensed by the N.J. Department of Banking and Insurance, NM, NC #L-163234, ND #MB103396, OH #RM.501891.000, OK #ML011190, OR #ML-5316, PA #56598, RI #20173431LL, SC #MLS-1160240, SD #ML.05224, TN #118878, TX, UT, VA #MC-5830, WA #CL-1160240, WV #ML-36451, WI #1160240BA, WY #3229.
This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.Angel Oak, Angel Oak Mortgage Solutions and the tree design are trademarks owned or registered by Angel Oak Companies, LP in the U.S.