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Angel Oak Home Loans

Mortgage Options to Fit Your Needs
Submit an online application form to enquire about Angel Oak Home Loans financing options.


Angel Oak Home Loans LLC is a full-service mortgage lender well-known for traditional and non-traditional (non-qualified) mortgage loans. It is an industry leader in alternative lending solutions with its innovative mortgage products designed to cater to borrowers who fall outside the conventional loan guidelines.

What is Angel Oak?

Founded in 2010, Angel Oak is a mortgage lending platform delivering a variety of mortgage and consumer credit solutions. It is dedicated to providing innovative loan products through an integrated platform that enables them to offer unique solutions to its clients.

How Do Home Loans From Angel Oak Work?

At Angel Oak Home Loans, borrowers have a wide variety of traditional and Non-QM mortgage options. The mortgage solutions offered by the company are tailor-made to suit specific borrowers based on their needs and qualifications.

Borrowers typically fill out an application online for their preferred loan product, after which they are paired with a Licensed Mortgage Originator who will walk them through the entire loan process. Angel Oak’s experienced team of mortgage originators supports the client throughout their journey to ensure customer satisfaction.

The Benefits of Angel Oak Home Loans

Wide Variety of Mortgage Solutions

Aside from the company’s traditional offerings, Angel Oak Home Loans is an industry leader in non-QM lending. Borrowers have a wide selection of loan products to choose from, depending on their financing needs.

The U.S. housing market is constantly changing, making the mortgage industry more complex, especially with the rise of the gig economy and a whole class of non-traditional borrowers.

Expert Advice

Navigating the mortgage industry can be overwhelming when purchasing or refinancing, especially for first-time homebuyers. Angel Oak seeks to make the process seamless by ensuring each borrower has access to a licensed mortgage originator advisor who will walk them through the different loan offerings and answer any questions regarding their financial decisions.

Fast Closing

Angel Oak Home Loans is perfect for prospective homebuyers looking to close fast. Non-QM loans typically take a shorter period than conventional loans because the application process is less rigorous. The full-service mortgage lender ensures a faster, more efficient closing process for their clients.

Where Are Angel Oak Home Loans Available?

Angel Oak Home Loans are currently available to borrowers with local branches throughout the Southeast, Eastern, and Western regions. The company is in the process of executing its strategic expansion plan aimed at providing personalized mortgage solutions for a diverse client base.

Traditional Mortgage Products From Angel Oak

Conventional Home Loan

For qualified homebuyers, conventional mortgage loans offer various down payment options. These loan programs have greater flexibility compared to other loan types. Angel Oak’s conventional loan adheres to the GSE (Fannie Mae and Freddie Mac) guidelines but is provided by Angel Oak. Conventional home loan is available for purchase, cash-out refinance, or rate-term refinance.

FHA Home Loan

Angel Oak’s Federal Housing Administration home loan is insured by the U.S government. This means homebuyers get a lower down payment and credit requirements. With this loan product, eligible borrowers can pay as low as a 3.5% down payment, depending on their credit score.

USDA Home Loan

The Angel Oak USDA home loan is designed explicitly for homebuyers in qualified rural areas. Homebuyers with low to moderate income get access to lower down payment options, provided the home is in a qualified USDA area.

VA Home Loan (Veterans Affairs)

VA home loans are guaranteed by the U.S. Department of Veterans Affairs. It is specifically for American veterans, military in active duty, and honorably discharged veterans. No down payment is required with this loan product, and up to 100% financing is available.

Non-QM Mortgage Products From Angel Oak

Bank Statement Loan

Eligible self-employed borrowers can use 12 or 24 months personal or business bank statements to verify income instead of tax returns under the bank statement mortgage program. Angel Oak’s program enables these self-employed borrowers to purchase or refinance a home, provided they meet the eligibility requirements.

1099 Income Loan

1099 workers such as freelancers and contractors who don’t qualify for mortgages under Agency guidelines can now get financing through Angel Oak’s 1099 income loan. This loan product allows self-employed borrowers to use their earning statements in place of tax returns in their loan applications.

Investor Cash Flow Home Loan

Perfect for investors, this loan product enables borrowers to use a property’s cash flow to qualify. Borrowers do not have to provide tax returns or employment information to apply for this loan type.

Jumbo Home Loan

Angel Oak’s Jumbo Home Loan is for home purchases that exceed FHA limits. Homebuyers who just miss Prime qualifications can apply for this loan program.

Asset Qualifier Home Loan

This loan product is ideal for homebuyers with sizeable liquid assets. Instead of a steady income, liquid assets are used to qualify for the loan. To qualify for an Angel Oak asset qualifier loan, you must have at least $500,000 in liquid assets post-closing.

ITIN Mortgage Home Loan

Homebuyers who live in the U.S. but don’t have a social security number can now qualify for a home loan under the Individual Tax Identification Number (ITIN) loan program, as long as they meet the eligibility requirements.

Foreign National Program

Angel Oak also offers the Foreign National Program loan to borrowers living outside the U.S. You can use your property’s cash flow to qualify for the loan.

Portfolio Select Home Loan

This loan product is for borrowers recovering from a credit event. This full doc loan solution allows two years seasoning for bankruptcy and a one year seasoning for deed-in-lieu, short sale, or foreclosure.

Refinance A Loan With Angel Oak

Refinancing your mortgage is a great way to save money or free up some cash that you can use to finance a project such as a home renovation. If you’re looking to refinance but unsure whether you’re eligible, enquire about Angel Oak home loans, and a licensed mortgage advisor will reach out to you.

What Are Angel Oak Reviews Saying?

A few Angel Oak clients had the following to say:

  • “Was extremely informative and easy to work with. Kept me updated every step of the way!” – Chris L. (Angel Oak Home Loans Testimonials)
  • “Wonderful experience! Everyone was professional and responsive to our questions! Would highly recommend this team!” – Kim E. (Angel Oak Home Loans Testimonials)
  • “Carden helped me a lot. We went through this process together. I’d like to thank him and his team.” – Iqrar. (Angel Oak Home Loans Testimonials)
  • “Angel Oak Home Loans is an absolute awesome place to go when you need help getting a loan. In the process of moving from Texas to Georgia, while looking to buy a house, we happened upon a realtor, who steered us to Kayla Sasser. We cannot say enough about Kayla, Scott and the whole team that helped us every step of the way to get the loan we needed to get the house we love. During the whole process, in addition to their help with the paperwork and all that comes with applying for a loan, we developed a friendship. Every time we had a question or needed advice, Kayla was always there to help. If it weren’t for Kayla and the Angel Oak Home Loan’s team, we wouldn’t be in the house we both love. Thank you all for everything you did for us. You all are a blessing and we will forever be grateful. Keep up the good work!” -Kathy H (Angel Oak Home Loans Testimonials)

How to Get Started with a Home Loan Angel Oak

To get started, visit Angel Oak’s official website and fill out an online form. Afterward, you’ll be connected with a licensed mortgage advisor to walk you through the entire process.

Angel Oak Home Loans

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Angel Oak Home Loans Products and Services

Non-QM Mortgage
Non-QM Mortgage

Bank Statement Loan

Self-employed borrowers can use 12 or 24 months of personal or business bank statements instead of tax returns to qualify.

Learn more

1099 Income Loan

1099 workers can use their 1099 earning statements instead of tax returns to apply for a home loan.

Learn more

Investor Cash Flow HomeLoan

Real estate investors can use their property's cash flow to qualify for a home loan.

Learn more

Jumbo Home Loans

Homebuyers who just miss Prime qualifications can apply for the Jumbo HomeLoan.

Learn more

Asset Qualifier HomeLoan

Borrowers who lack a steady income but have sizeable assets can qualify for a home loan.

Learn more

ITIN Mortgage Loan

Residents of the U.S with Individual Tax Identification Numbers can apply for this loan provided they meet other requirements.

Learn more

Foreign National Program

Borrowers outside the U.S. can apply for this loan using their property's cash flow.

Learn more

Portfolio Select HomeLoan

Credit-worthy borrowers who've recovered from a credit event can apply for this loan if they're eligible.

Learn more

Conventional Home Loan

Conventional mortgage loans have various down payment options for qualified homebuyers.

Learn more

FHA Home Loan

Government-insured home loans with greater flexibility and lower down payment options.

Learn more

USDA Home Loan

Homebuyers in qualified rural areas are eligible for lower down payment options with this loan product.

Learn more

VA Home Loan

Guaranteed by the government, this loan is available to U.S. veterans and military on active duty.

Learn more

Why Us

Unmatched Customer Service

Angel Oak believes their clients deserve nothing short of the best quality services and thus strives to do this every day.

Tailor-made Loan Products

The lender is known for their non-QM innovative loan products tailored to meet their clients' specific financing needs.

Partner with Customers

Even if you are not eligible right now, Angel Oak will create a plan for you toward homeownership and walk with you every step of the way.



Get A Quote Today

Fill out an application for one of Angel Oak’s mortgage loans today. Even if you’re unsure about your eligibility, they have licensed mortgage originators available for all your questions. Provide your contact information, and an advisor will be in touch with you. If you do not qualify for the loan you want, Angel Oak can redirect you to a more suitable loan for you.

Apply for A Non-QM Loan Today

Visit Angel Oak’s website and browse our wide selection of non-traditional home loans today. From self-employed workers to investors and retirees, Angel Oak has loan products designed specifically for you.

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    It’s possible to buy a home after bankruptcy, but the waiting period depends on the lender and home loan product you select. Learn more.
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