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Asset Qualifier Loan

Bank Statement Home Loan

Bank Statement 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.

DSCR Loan

Investor Cash Flow Loan

For Real Estate 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.

Low Down Payment Jumbo Loan

Angel Oak’s portfolio jumbo loan products are full doc mortgages that offer low down payment options. Homebuyers with these circumstances or other credit events may not meet the requirements of strict traditional underwriting guidelines. Our low down payment portfolio jumbo products were created specifically for these “just missed” homebuyers.

Jumbo Home Loans

Jumbo Home Loan

For Higher Valued Homes
Angel Oak Mortgage Solutions Jumbo program consists of Gold Prime, Prime Jumbo, and non-QM Platinum Jumbo mortgage options. A Jumbo loan is for home purchases that exceed the conforming limit set by the FHFA. Our non-QM Platinum Jumbo loan is for homebuyers who just miss Prime qualifications.
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