Have you heard the saying "bad things happen to good people?" Angel Oak Home Loans Home$ense mortgage loan program is designed to provide you and your family guidance after a foreclosure, deed-in-lieu, or short sale.

  • 5/1 ARM or 30-year fixed

  • Seller Concessions to 6% (2% for investment)

  • DTI Up to 50% Considered

  • Owner-occupied, 2nd homes, Investment Properties

  • Non-Warrantable Condos Considered

  • No pre-pay penalty for owner-occupied and/or 2nd homes

  • SFRs, Townhomes, Condos, 2-4 Units

  • Up to 80% Investor Concentration Allowed

  • Buy/refinance soon after Foreclosure, Short Sale, Bankruptcy, Deed In Lieu

  • 600 Minimum Credit Score (Including Jumbo Loans)

  • Mortgage Lates Are OK

  • No Active Tradelines OK with housing history

  • Loans to $1 million (Over $1M case by case)

  • Up to 90% LTV with No MI

  • Gift Funds Allowed