Jumbo Home Loan

Jumbo Mortgage Loans Are For Homebuyers Purchasing A Higher-Priced Home That Exceeds Conforming Limits.

Angel Oak Home Loans Jumbo program consists of several mortgage options. A Jumbo loan is for home purchases that exceed the conforming limit set by the Federal Housing Finance Agency. Our non-QM Platinum Jumbo loan is for homebuyers who just miss Prime qualifications.

Angel Oak’s Prime and non-QM Jumbo options allow the flexibility needed to purchase the home of your dreams!

Gold Prime Jumbo

  • Up to 50% debt-to-income
  • As low as 10% down based on requirements
  • Loan amounts up to $3.5 million
  • Primary, second home and investment properties
  • Single family, townhomes, and warrantable condos
  • Seven years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Purchase, cash-out and rate-term refinance

Prime Jumbo

  • Loan amounts up to $3 million
  • Primary, second home and investment properties
  • Single family, townhomes, and warrantable condos
  • Seven years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Purchase, cash-out and rate-term refinance

Non-QM Platinum Jumbo

  • Loan amounts up to $3 million
  • Primary, second home and investment properties
  • Single family, townhomes, warrantable and non-warrantable condos
  • Four years out of foreclosure, short sale, bankruptcy or deed-in-lieu
  • One year tax return program available
  • Purchase, cash-out and rate-term refinance

*Interest only options may not be available in all states. Loan amount over $1.5 million requires a borrower-paid second appraisal. Effective 7/10/2020.