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Asset Qualifier Home Loan

No employment or income required

Angel Oak’s Asset Qualifier loan product allows to qualify using their liquid assets. We do not require employment, income or DTI to justify ability-to-repay. We qualify based on assets that meet seasoning requirements. We have helped retirees, underserved self-employed, divorced with no income, and other borrowers with required seasoned assets to purchase or refinance.

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Bank Statement Home Loan

A Mortgage For Self-Employed

Angel Oak’s Bank Statement mortgage program is the perfect option for self-employed borrowers who need an alternative method to show the true cash flow of their business. Borrowers do not have to own 100% of the business. Our Bank Statement program provides a loan solution to help underserved credit-worthy self-employed borrowers who otherwise would not qualify for a home loan.

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Business Elite

Business Bank Statement Elite

Better Pricing For Qualified Borrowers

Angel Oak’s Business Bank Statement Elite mortgage program is the perfect option for self-employed borrowers who need an alternative method to show the true cash flow of their business. Borrowers do not have to own 100% of the business. Our Business Bank Statement Elite program provides a loan solution to help borrowers qualify off their great credit history along with their Business Bank Statements.

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DSCR Loan

Investor Cash Flow Loan

For Rental Property Investors

Angel Oak’s Investor Cash Flow mortgage (DSCR Loan) program allows your clients to qualify based on rental analysis to determine property cash flow. No personal income required to qualify. This saves you from submitting complicated income statements and tax returns. Debt service coverage ratio or DSCR is a measurement of a property’s expected cash flow to determine ability to repay a mortgage loan.

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Jumbo Loan Options

Jumbo Home Loans

For Higher Valued Homes

A Jumbo loan is for home purchases that exceed the conforming limit set by the FHFA. Our flexible non-QM Jumbo loans are for homebuyers who just miss Prime qualifications. These loan options allow flexibility to purchase the home of your dreams!

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Portfolio Select Home Loan

Portfolio Select Loan

A Mortgage After Credit Events

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

Angel Oak’s Portfolio Select home loan is a full doc mortgage that only requires one year out of foreclosure, short sale, or deed-in-lieu and two years out of bankruptcy. Homebuyers with these circumstances or other credit events may not meet the requirements of strict traditional underwriting guidelines.

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Property State

Loan Purpose

PurchaseRefinance

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Are You Self-Employed?

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Angel Oak Mortgage Solutions LLC – NMLS ID #1160240 (NMLS Consumer Access). 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 #60DBO71208, CO Regulated by the Division of Real Estate, CN #ML-1160240, DE #019971, DC #MLB1160240, FL, GA #41747, HI # HI-1160240, ID # MBL-2081160240, IL Residential Mortgage Licensee # MB.6761065, IN #24466, IA #2014-0070, KS MC.0025339, KY #MC292246, LA, ME #1160240, MD #21260, MI #FL0020868, MN #MN-MO-1160240, MS #1160240, MO #19-2400, MT #1160240, NE, NV #4450, 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, PA #56598, RI #20173431LL, SC #MLS-1160240, SD #ML.05224, TN #118878, TX, UT, VA #MC-5830, WA #CL-1160240, WV #ML-36451, WI #1160240BA, WY #3229.
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.Angel Oak, Angel Oak Mortgage Solutions and the tree design are trademarks owned or registered by Angel Oak Companies, LP in the U.S.