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.
Learn More
Get Started
blue arrow

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.
Learn More
Get Started
blue arrow

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.
Learn More
Get Started
blue arrow

DSCR Loan

For Real Estate 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.
Learn More
Get Started
blue arrow

2-1 Buydown

Looking to lower your monthly mortgage payment when buying a home?
For interested party contributions to lower borrower cost for the first 2 years.
Learn More
Get Started
blue arrow

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.
Learn More
Get Started
blue arrow

Foreign National Home Loan

A Loan For Foreign Nationals Living Outside The United States
Borrowers who live outside the U.S. can qualify for an investment property using the cash flow of the property for qualification.
Learn More
Get Started
blue arrow

Traditional Loans

Our Specialized Mortgage Products

Conventional Home Loan

A Flexible Loan Solution
Our Conventional mortgage offers flexibility other loan types do not including down payment options.
Learn More
Get Started
blue arrow
AL
AZ
AR
CA
CO
CT
DE
DC
FL
GA
IL
IN
IA
KS
KY
LA
ME
MD
MI
MN
MS
MO
MT
NH
NJ
NM
NC
ND
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VA
WA
WV
WI
WY

Contact a Loan Officer

Property State
Loan Purpose
Looking For A Specific Mortgage Advisor?
Are You Self-Employed?
Residence Type
Credit Score
Submit
We take your privacy seriously. By clicking "Submit" or "Send My Verification Code", you are providing express "written" consent to allow Angel Oak Mortgage Solutions LLC NMLS 1160240 to call or text you at the telephone number provided above for advertising or telemarketing purposes related to your mortgage inquiry (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone or mobile device (including SMS and MMS - charges may apply) and/or email you at the email address provided, even if the telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list. You are not required to provide this consent as a condition of purchasing goods or services with Angel Oak Mortgage Solutions LLC NMLS 1160240.
success check icon
Thanks! A Mortgage Advisor Will Be In Touch With You Shortly.
Oops! Something went wrong while submitting the form.

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.
How Does A Bank Statement Mortgage Program Work?
blue chevron
Are Self-Employed Borrowers Required To Use Bank Statement Loan Products?
blue chevron
What Is The Difference Between A Bank Statement Loan And A Traditional Mortgage Loan?
blue chevron
Links
ProductsFind an AdvisorServicingContactCareersAbout
Loan Servicing: 844.209.7424Speak to Advisor: 833.471.0594
Licensing & DisclosuresPrivacy PolicyTerms of UseAngel Oak Companies

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.