Portfolio Non-QM Loans
Our Specialized Mortgage Products
Bank Statement Home Loan
A Mortgage For Self-Employed
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.
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.
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.
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.
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Product FAQ
General FAQ
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.
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?
What Is The Difference Between A Bank Statement Loan And A Traditional Mortgage Loan?
How Does A Bank Statement Mortgage Program Work?