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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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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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.
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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.
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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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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.
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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.
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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.
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.
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?
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What Is The Difference Between A Bank Statement Loan And A Traditional Mortgage Loan?
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Are Self-Employed Borrowers Required To Use Bank Statement Loan Products?
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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).  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.