Portfolio Select Home Loan

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

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PurchaseRefinance

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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.

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Angel Oak Mortgage Solutions LLC – NMLS ID #1160240 (NMLS Consumer Access). Corporate Address: 980 Hammond Drive, Suite 850,Atlanta, GA 30328. 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 #60DBO-71208, CO Regulated by the Division of Real Estate, CT #ML-1160240, CT #MS-1160240, DE #019971, DC #MLB1160240, FL #MLD1156, GA#41747, HI #HI-1160240, HI #MS231, ID #MBL-2081160240, IL Residential Mortgage Licensee # MB.6761065, IN #24466, IA #2014-0070, KS #MC.0025339, KY #MC292246,LA, ME #1160240, MD #1160240, MI #FL0020868, MI #SR0020869, MN #MN-MO-1160240,MS #1160240, MO #1160240, MT #1160240, NE, NV #4450, NV #4597, 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, OR #MS-19, PA #56598,RI #20173431LL, RI #20224352LS, SC #MLS-1160240, SD #1160240.ML, TN #118878, TN#163131, TX, UT, VA #MC-5830, WA #CL-1160240, WV #ML-36451, WI #1160240BA, WY#3229, WY #CL-4863.