Portfolio Select Home Loan

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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Get Started
  • Loans up to $2.5 million, Minimum loan of $125,000
  • One year seasoning for foreclosure, short sale or deed-in-lieu
  • Two years seasoning for bankruptcy, can use chapter 13 filing date
  • Purchase and cash-out or rate-term refinance
  • Owner-occupied, second homes, and investment properties
  • Up to 50% DTI
  • Gift funds allowed
  • 40 year interest only available
  • Loan amounts greater than or equal to $1,500,000, a borrower paid second appraisal must be obtained

Credit worthy borrowers who have recovered from credit events no longer have to wait seven years to purchase or refinance! Our full doc Portfolio Select mortgage loan allows just one year seasoning for foreclosure, short sale, deed-in-lieu and just two years seasoning for bankruptcy. Capture more business and help those borrowers shut out of Agency guidelines. This full doc loan solution helps more borrowers achieve their financial goal

AZ
AR
CA
CO
CT
DE
DC
FL
GA
IL
IN
IA
KS
KY
ME
MD
MI
MN
MO
MT
NH
NJ
NM
NC
OH
OK
OR
PA
RI
SC
TN
TX
VA
WA
WV

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Product FAQ

General FAQ

What Is Alt-A?
Alt-A is a loan classification for mortgages falling between Prime and Non-QM. Angel Oak’s Portfolio Select product is specifically for the Alt-A borrower who just misses qualifying for Prime.
Is Portfolio Select A Full Doc Loan?
Yes, this is a full documentation loan product where the borrower is able to submit all income verification documents required by the lender. Consult a licensed mortgage advisor for requirements.
What Is The Maximum Loan Amount For Portfolio Select?
Loan amounts go up to $2.5 million. Talk to a licensed mortgage advisor about loan options that exceed $2.5 million.