Angel Oak Mortgage Solutions LLC

It's time to connect again at the Mortgage Bankers Association (MBA) conference in San Diego on October 17-20. With non-QM volume growing, Angel Oak Mortgage Solutions is looking to continue its astonishing growth. If you’re attending the MBA’s Annual21, now is a great time to speak with the leader in non-Agency about becoming a correspondent lender. Schedule a meeting with our SVP, National Accounts Jamie Bellingham at [email protected] to learn more.

HousingWire recently published an article on the importance of non-QM in today's market and how to implement non-QM products in your business. Watch this powerful video in the link below about our product and how it can grow your volume, featuring EVP of Production at Angel Oak Mortgage Solutions Tom Hutchens being interviewed by CEO Clayton Collins of HousingWire. According to Tom Hutchens, the key is to educate your loan officers on the programs and products to give them t...he confidence that they can go out and sell those non-QM products. Patience is important because it takes time you’re not going to roll out a non-QM product and the very next month it’s going to be a significant piece of your volume, Hutchens said. At Angel Oak we are excited about the growth of the overall market and look forward to working with originators who are helping more and more borrowers close more loans. Read more here: https://angeloakms.com/the-key-to-implementing-non-qm-prod/

In today's volatile housing market, more and more borrowers are using cash to buy property. Our Delayed Financing option gives your borrower the power of a cash offer while also allowing them to get a mortgage on a home. Buyers who pay cash for a home can get a mortgage within six months of purchase AND pull back up to 90% of the funds used to buy the property! Angel Oak Mortgage Solutions is a lender who can help your borrower obtain a mortgage after closing. Our flexible loan options include: Bank Statement, Full Doc and Debt Service Coverage Ratio. Click here to learn more: https://angeloakms.com/programs/

The demand for Jumbo loans is soaring in today's market and we are meeting it! Originators are bringing their Jumbo borrowers straight to us because they know they can’t qualify under Prime qualifications OR a Realtor called with a Prime fall-out emergency. In today’s market, many borrowers aren’t Prime. At Angel Oak, we call them Platinum! Our Platinum Jumbo loan is a non-QM option that closes as easily and quickly as Prime. The LTV on this loan goes up to 95% allowing borro...wers to keep more cash in their pocket! PLATINUM JUMBO HIGHLIGHTS: - Credit scores starting at 660 - Up to 95% LTV, no MI - Loans up to $3 million - Four years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu - Non-warrantable condos allowed INCREASE YOUR VOLUME WITH THE POWER OF ANGEL OAK https://angeloakms.com/program/platinum-mortgage-program/

Where are we On The Road in October? Join us as we travel this fall and network around the country showing the benefits of our innovative non-QM products! Allow Angel Oak experts to educate you on our flexible mortgage options and help you grow your business. Below are some events, conferences, luncheons and golf tournaments we are attending in October 2021: 1. 37th Annual Regional Conference of MBA’s: Atlantic City, New Jersey 10/3 10/7 2. MBAC Conference: Wilmington, Nor...th Carolina 10/4 10/6 3. Orange County & South LA Rooftop Mixer: Anaheim, California 10/5 4. Colorado Mortgage Summit: Denver, Colorado 10/7 5. NAMB National 2021 ALL-OUT: Las Vegas, Nevada 10/8 8/11 6. AMBA Mike Carroll Sr. Fall Classic Golf Tournament: Austin, Texas 10/11 7. California Mortgage Expo: Oakland, California 10/12 8. RMBA October Social: Richmond, Virginia 10/14 9. Third Annual NTXAMP Golf Tournament: Wylie, Texas 10/18 10. The Suncoast Mortgage Expo: Tampa, Florida 10/19 11. Securen Fall Conference: Greenville, South Carolina 10/20 10/22 12. 2021 KMBA Golf Tournament: Knoxville, Tennessee 10/25 See you there! We look forward to meeting you in person and sharing HOW we can help you succeed! https://angeloakms.com/on-the-road-again-october-2021/

We are a proud sponsor and member of the Mortgage Bankers Association of Florida (MBAF). This is a trade organization composed of loan origination companies, servicing companies, and affiliated industry service providers. They have been serving Florida’s mortgage and housing industry since 1952. MBAF is dedicated to the preservation and improvement of the Mortgage Banking Industry through a proactive relationship with Federal and State legislators, industry agencies, and other housing trade organizations. At Angel Oak Mortgage Solutions, we are grateful for the opportunity to be a part of this group and to support our local brokers and correspondents in the state of Florida. https://angeloakms.com/we-are-a-proud-sponsor-of-mortgage-/

National Mortgage Professional (NMP) magazine published an article announcing our newest account executives. We are constantly growing and evolving based on the increased need for non-QM across the country. As a result, we are adding top talent to our team and are pleased to welcome the following: Jack Levi - Baltimore, Maryland Lorenzo Dillon - New Orleans, Louisiana Mike Haslett Scottsdale, Arizona... Learn more about our new hires: https://angeloakms.com/angel-oak-mortgage-solutions-adds-a/

Michael Thimsen, AVP in client services, talks with Steve Garner, account manager, about his career path at Angel Oak. Steve started at Angel Oak a few months ago and has the ground running. He says the positive culture and support made that possible. Hear more about his experience and goals for 2021. The Atlanta Journal and Constitution AJC named us a Top Workplace for 2020 for the 6th consecutive year an honor that is a testament to our positive culture! The great news is that we continue to hire as we grow. To view current job openings at Angel Oak, please visit https://recruiting.ultipro.com//b4780aa2-b465-c039-b3af-/

Achieve your goals in 2021 by making sure you have the right resources to get it done. We have the loan products, experience with non-QM, and technology to close loans quickly. John Wise, regional VP of sales, talks you through QuickQual, our quick pricing and pre-qualification tool. Price any scenario in 10-15 seconds with no log in required and submit your file for Instant pre-qual approval through our automated system. Watch this brief video and learn more. https://angeloakms.com/QuickQual/quickquote.php

Utilizing Bank Statement loans with Angel Oak is even easier now that we have updated our new standard expense factor to 50%. Most loans will be qualified off this ratio and if the business has a lower expense factor, a statement from a third party CPA or tax preparer will be required. Our Bank Statement product is now more competitive for our clients and their borrowers. Close loans FASTER and EASIER with Angel Oak! * 12 or 24 months personal or business statements accepted... * 1099 earning statements allowed * Up to 90% LTV, no MI * Loans up to $3 million * 40 year fixed interest only available * Four years seasoning for foreclosure, bankruptcy or deed-in-lieu Experience the Difference And Increase Your Volume With Angel Oak Mortgage Solutions! https://angeloakms.com/pro/bank-statement-mortgage-program/

We helped a borrower refinance who had a balloon mortgage payment coming due. The mortgage was for a Jumbo investment property needing a cash-out refinance. The challenge was that the net income on the returns were not showing enough to qualify conventionally. Our Bank Statement product provided the perfect solution for the borrower to submit business account statements to get the $730k loan closed quickly. We saved the day closing in 15 days! https://angeloakms.com/pro/bank-statement-mortgage-program/

All of our products are competitively priced for the current thriving market that is still picking up speed! Price your scenarios quickly: https://angeloakms.com/QuickQual/quickquote.php Angel Oak Mortgage Solutions - Closing Loans Is Easier With Us!

Non-QM is poised for continued growth in 2021, offering flexible mortgage options for borrowers that don't meet traditional lending requirements. Our EVP of Production Tom Hutchens explains in this Washington Post Q&A: https://wapo.st/357GQRi

Have a safe and happy holiday! If you happen to be working, use our quick pricing tool QuickQuote https://angeloakms.com/QuickQual/quickquote.php Most importantly, enjoy your loved ones this holiday season!

Here’s to ringing in the new! Happy and safe new year. We look forward to a successful 2021 with our valued clients! #HappyNewYear2021 #bye2020

Bank Statement Loans are now even EASIER with Angel Oak Mortgage Solutions! Most loans will now be qualified at a standard 50% expense ratio. In case you missed it, we also recently lowered rates for our Bank Statement product. More competitive and easier than ever for your borrowers! Find out more https://angeloakms.com/pro/bank-statement-mortgage-program/

We love to hear about holiday traditions among our staff and would love to hear yours too. Whether it's Christmas eggnog or Hanukkah latkes, tell us your favorite ways to celebrate! #merrychristmas #happyhanukkah

We've added over 100+ new positions to support our upward growth trajectory for 2021. EVP of Production Tom Hutchens shares more info on our expansive employment opportunities with the Angel Oak team via Mortgage Professional America: https://angeloakms.com/why-angel-oak-is-hiring-dozens-of-p/

We love when we hear from originators about a great experience for happy homeowners. That’s why we’re here - to help borrowers get into the home of their dreams. One of our Account Executives, Randy Rees, worked with an originator to get a couple into a new home. This is what they said when they received the clear to close, Woo hoo! My wife is literally jumping up and down with joy. Thanks for helping us get here. We had so many doubts after a bad experience with the last lender, but we now feel good about it. Thank you thank you! Another 5-star review for a loan officer who chose Angel Oak! To find an AE in your local area, please visit https://angeloakms.com/map/

Happy Holidays to all of our valued clients! It has been quite a year and we all deserve this time to spend with our loved ones. We hope you have a safe and merry holiday even if celebrating is a little different this year. We're giving our employees a little extra time off this year so our offices will close at noon on December 24th. We look forward to continued success with our partners in 2021!... https://angeloakms.com/happy-holidays-from-our-angel-oak-f/

Scott Gruebele, senior account executive, talks about one of our most utilized loan solutions for property investors No Income Investor Cash Flow. Investor borrowers qualify on rental analysis to determine property cash flow with NO income or employment verification required. Scott goes into details about credit scores, ratios, and how this loan works in one minute and 15 seconds. That’s it. Listen now! For more information on our investor cash flow program, please visit https://angeloakms.com//investor-cash-flow-mortgage-progr/

We are excited to welcome Matt Dreilinger - our newest operations trainee. Alysse Prosnick, SVP of operations, interviewed him about why he chose Angel Oak and his experience here so far. Alysse has been interviewing all of our latest operations hires so we can share their interesting and diverse backgrounds. We always say it's not necessary to have a mortgage background to succeed at Angel Oak. We will train you! Matt was in the hospitality industry and planned on furthering... his career there. Then COVID hit and he had to rethink a new start. He never thought he would be in the mortgage industry and came to us with no prior experience. Watch Matt tell you about what he likes about Angel Oak and what he has learned. The Atlanta Journal and Constitution (AJC) named us a Top Workplace for 2020 for the 6th consecutive year an honor that is a testament to our positive culture! The great news is that we continue to hire as we grow.

Plan now for the refi bust.It’s coming! Mortgage Bankers Association is still reporting new records being set right now along with future records forecast for 2021. Here is the latest: Week of October 28: The average loan size hit another record of $372,600 and purchase applications increased 24% over 2019 same time period. Refinance activity has been more volatile each week. In the report they stated that, These reports highlight just how strong the upper end of the market... is right now, with outsized growth rates in the higher loan size categories. 2021 MBA Forecast: On October 21, 2020, they announced that purchase originations are expected to grow 8.5% to a new record of $1.54 trillion in 2021 while refinance originations will decrease by almost half. We know this does not change what is on your plate right now you’re busy! It also does not change that you need a plan. We can help! Bank Statement | Platinum Jumbo | Full Doc Portfolio Select | No Income Investor Cash Flow | Asset Qualifier Quickly run your scenarios: https://angeloakms.com/QuickQual/quickquote.php

Want to up your non-QM game? In the latest TLX newsletter, Angel Oak's EVP of Production Tom Hutchens shares three ways you can differentiate your non-QM purchase business. Jason Frazier Mortgage X https://bit.ly/3jNUm0Y

We make learning about our products quick and easy. All you have to do here is listen for 52 seconds. 52 seconds worth of valuable information on HOW Platinum Jumbo helps borrowers who just miss qualifying for Prime Jumbo.

Happy Halloween To All! Oh....and if you find yourself working this weekend keep it easy by using our non-QM quick pricing tool...QuickQuote! Hand out treats and run a few scenarios - you'll get an answer right away! https://angeloakms.com/QuickQual/quickquote.php

We are proud to be Angel Oak strong in pink! It's been a pink out everywhere you look here....in the halls, working from home and Zoom calls. Breast Cancer Awareness continues to be crucial as we join the fight against this deadly disease. We hope we have helped to empower individuals with breast cancer and raise awareness for early screening. #breastcancerawareness

Our Operations staff had fun dressing up in costumes today for our annual costume contest. Who do you think won?

Keep your property investors happy closing their deals quickly with us using Our No Income Investor Cash Flow product. Here's an actual scenario of a loan we closed for the purchase of four properties: A borrower was purchasing four properties at the same time. One of the four files had issues that could've caused a delay in closing with another lender. We worked directly with the broker to clean it up and ALL FOUR deals closed on the same day AS PROMISED. ... No tax returns or employment required Available for purchases or refinance including cash-out No limit on total owned properties (5 with AOMS) Minimum DSCR of 1.0 Be the broker property investors count on for repeat business. Count on us to help you get it done. https://angeloakms.com//investor-cash-flow-mortgage-progr/

The refinance market is volatile with volume expected to be cut in half. The time to plan is now! Tom Hutchens, EVP of Production, shares five important tips on how to be ready when the refi market busts. Be ready with Angel Oak Mortgage Solutions: https://angeloakms.com/five-tips-to-help-non-qm-originator/

We are excited to welcome Megan Dealba - our newest operations trainee. Alysse Prosnick, SVP of operations, interviewed her about why she chose Angel Oak and her experience here so far. Alysse has been interviewing all of our latest operations hires so we can share their interesting and diverse backgrounds. We always say it's not necessary to have a mortgage background to succeed at Angel Oak. We will train you! Megan was a waitress when COVID hit and her job ended. From ther...e she tried other things that did not work out. She has quite a story. Watch and find out about her path to Angel Oak and what her mom had to do with it. It’s inspiring and we are glad she is here! She says the experience has been exciting and fun as she learns new things every day. The Atlanta Journal and Constitution named us a Top Workplace for 2020 for the 6th consecutive year an honor that is a testament to our positive culture! The great news is that we continue to hire as we grow.

It is true that our goal was to be the best originator in non-QM. After all, we brought non-QM into the market many years ago and educated the industry on how to use it. After we paved the road for non-QM success many other lenders jumped onboard. And why not..the demand for it is HUGE! Not only did we reach our goal of being the best originator, we turned out to be the biggest and our track record confirms it. Through the support of our originators, investors, and employees... we did it! We thank you for it and we are proud to be able to continue to bring non-QM to the market. Choose the leader in non-QM! You're going to want to work with us as the refi boom is coming to end...according to The Mortgage Bankers Association's (MBA) forecast for 2021, purchases are expected to increase 8.5% for a new record of $1.54 trillion in 2021. The refinance market, however, will be cut almost in half. See Your Business Soar With Us! Bank Statement, Platinum Jumbo, Portfolio Select, Asset Qualifier, No Income Investor Cash Flow LTV’s up to 90%, no MI varies by product 40 year fixed rate interest only available for most loan products Loans from $75,000 to $3 million depending on the product Experience The Difference With The Leader In Non-QM

How can you effectively promote your non-QM products? Angel Oak's EVP of Production Tom Hutchens discusses the 3 best places to start in this week's TLX newsletter. https://bit.ly/3dWeLzm Jason Frazier Mortgage X

Mortgage Bankers Association (MBA) just released their forecast for 2021. Purchases in 2021 are expected to increase 8.5% for a new record of $1.54 trillion in 2021. The refinance market, however, will be cut almost in half. Here is our question for those of you heavily weighted in refi volume..What is your plan ahead of this change? Be proactive and get ahead of the game. We can show you HOW with non-QM!... Bank Statement | Platinum Jumbo | No Income Investor Cash Flow | 1099 Income | Full Doc Portfolio Select | Asset Qualifier