Portfolio Non-QM Loans

Our Specialized Mortgage Products

Bank Statement HELOC

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

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.

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.

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.

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.

Jumbo Home Loans

For Higher Valued Homes
Our Jumbo program consists of Gold Prime, Prime Jumbo and non-QM Platinum Jumbo. These loan options allow flexibility to purchase the home of your dreams!

Traditional Loans

Our Specialized Mortgage Products
AZ
AR
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DE
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FL
GA
IL
IN
IA
KS
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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

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.
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.