The financial and mortgage industry crisis of 2008 created a tremendous void in the marketplace, leaving both consumers and related professionals underserved. Angel Oak Home Loans emerged as a well-managed and well capitalized mortgage banking firm that embraced the entrepreneurial spirit and service driven focus widely absent in the mortgage business. Our lending philosophy is founded upon a tenet of providing innovative portfolio loan programs, while consistently delivering an exceptional client experience, for both our borrowers and referral partners. A feat rarely accomplished in the industry.
Portfolio Loan Highlights include:
Home$ense: 1 day out of Shortsale, Foreclosure or Deed in Lieu. 24 month bank statement, FICO's as low as 540 and LTV's up to 80%
Portfolio Select: FICO's down to 640, 1 year tax returns for SE, asset depletion and CLTV's to 90% on loan amounts to $2.0M
Performance Jumbo: aggressively priced 30 year fixed.
Angel Oak's lending practice was founded upon core principals of providing consumers with a variety of mortgage products that are tailored to meet their individual home financing needs. At Angel Oak, we realize that each of our client's circumstances are unique and therefore we take an advisory approach to meeting their mortgage needs. Our highly trained Licensed Mortgage Advisors (LMA's) work closely with each client and partner to match the right program for their situation. Our collaborative approach to servicing clients and referral partners enables us to deliver some of the quickest turn times in the industry, while focusing on superior client satisfaction. In fact, 98% of our clients are likely to recommend Angel Oak to a friend or colleague, according to our recent post-closing surveys.