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 100% Investor Concentration Allowed
  • 1 Day out of Foreclosure, Short Sale, Bankruptcy, Deed In Lieu
  • 500 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
  • 100% Gift Funds Allowed