WHY ANGEL OAK FUNDING?

• COMMITTED TO EXCELLENCE IN CUSTOMER SERVICE-Our proactive approach to communication ensures our clients remain informed, while creating an atmosphere of availability between our clients and their loan support team.
• IN HOUSE OPERATIONS-with decision making onsite we are able to achieve the fastest turn times in the industry with 48 hour approvals common place. our quick decision making abilities enables to offer fast Pre-approvals to assist our clients and referral partners with their contract negotiations. sellers are 5x more likely to accept a purchaser that is pre-approved over one that is simply pre-qualified.
• CUSTOMIZED TECHNOLOGY PLATFORM-Single tiered platform increases speed, eficiencies and accountability. Client and referral partners can obtain status updates 24/7.
• DIVERSE PRODUCT LINE-By leveraging the expansive capital markets expertise of our sister company, Angel Oak Capital, we are able to offer Conventional, FHA, VA and a full suite of Jumbo products all in-house!
• EXPERIENCE YOU CAN TRUST-Our dynamic and experienced leadership team possesses the professional skill set necessary to navigate today's numerous market challenges.
• LENDER FOR LIFE-At angel Oak Funding we approach each closing as a new relationship not just a transaction. Our advisory approach to lending creates a high level of trust between our clients and licensed mortgage advisers. To ensure our past customers have the best financing terms available our LMA's are required to perform an Annual Review with each of their clients.

PRODUCT OFFERINGS-all loans are processed and underwritten in house to allow you the ability to close with in 14-21 days and 45-60 days for all renovation loans

LOW TO NO DOWN PAYMENT PURCHASE PROGRAMS

• VA- 100% FINANCING-no PMI min credit 620
• USDA-100% FINANCING-no PMI-min credit 620
• FHA-HUD REPO-$100 down payment-min credit 640
• HOME PATH-97% FINANCING-no PMI-min credit 620
• WELCOME HOME-97% FINANCING-only for true first time home buyers
• FHA 203B-96.5% FINANCING-min credit 640
• CONVENTIONAL-95% FINANCING- Lender paid PMI option available
• JUMBO-90% FINANCING -No PMI

RENOVATION LOANS

• FHA-203K STREAMLINE-includes up to 35k in repairs-96.5% financing
• HOME PATH RENOVATION-includes up to 35k in repairs-97% financing
• HOME STYLE RENOVATION-includes up to 80k in repairs-95% financing
• PRIME BRIDGE-unlimited repair costs * specifically for investors-100% loan to cost available-close in 7-10 days (hard money)

NICHES

• JUMBO LOANS UP TO 4 MILLION
• Home Equity Lines Of Credit UP TO 90% CLTV AND 600K LOAN AMOUNTS
• HARP LOANS
• HARD MONEY LOANS-including transactional funding and other bridge loan programs
• CONSTRUCTION TO PERMANENT-ask for more details
• COMMERCIAL LOANS-ALL TYPES-ask for more details
• HOMES FOR HEROES-savings program: Offers all people that are - Educators, Firefighters, Police Officers, Public Safety Officials, Prison employees, Health Care Providers and Military personnel retired or active and veteran. The program offers the ability to save thousands of dollars on closing costs. Ask for more details.