SuperMoney
Explore
Compare Rates

Compare All Mortgage Refinance

Filter & compare all your options in one place.

View All Mortgage Refinance
x No thanks, not right now
Advertiser Disclosure
  Angel Oak Home Loans Mortgage Refinance
Angel Oak Home Loans Mortgage Refinance
in Mortgage Refinance from Angel Oak Home Loans LLC · NMLS ID #685842
Unaffiliated

Angel Oak Home Loans Mortgage Refinance

Unaffiliated
in Mortgage Refinance from Angel Oak Home Loans LLC · NMLS ID #685842
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

2 users recommend
0 users are unsure
0 users don't recommend
Cast your vote

Would you recommend Angel Oak Home Loans Mortgage Refinance to your friends?

Thanks for your vote!

You voted: May or may not recommend

Change my vote
Highlights
Community Rating

Rating not yet determined  
Loan Amount Up to $3,000,000
Loan Term (Years) 10 - 30 years

Angel Oak Home Loans Mortgage Refinance Review

Angel Oak Home Loans Mortgage Refinance is offered by Angel Oak Home Loans LLC (NMLS #685842), a direct lender founded in 2011 and based in Atlanta, GA. Angel Oak Home Loans Mortgage Refinance are available in 32 states (and Washington, DC).

Key Takeaways

  • 3 different mortgage programs offered. Angel Oak Home Loans Mortgage Refinance refinances FHA, USDA, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Non-standard interest rates available. Angel Oak Home Loans Mortgage Refinance offers hybrid mortgages, and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

Angel Oak Home Loans Mortgage Refinance Pros & Cons

Pros Cons
  • Available in 32 states.
  • Charges an origination fee.
  • Charges prepayment fees.

Angel Oak Home Loans Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Angel Oak Home Loans?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Angel Oak Home Loans Mortgage Refinance offers mortgage refinancing with terms ranging from 10 to 30 years.

How long does Angel Oak Home Loans take to refinance?

Angel Oak Home Loans does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.

Does Angel Oak Home Loans charge a mortgage origination fee?

Yes, Angel Oak Home Loans Mortgage Refinance will charge a loan origination fee.

What mortgage programs does Angel Oak Home Loans offer?

Angel Oak Home Loans Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Angel Oak Home Loans allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Angel Oak Home Loans Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Other Services by Angel Oak Home Loans LLC

Icon for Mortgage

Home Loans

Be the first to rate

Availability

  Available in 32 states and Washington, D.C.
  • Alabama
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Nevada
  • New Jersey
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Washington, DC
  • Wisconsin

Feature Breakdown

Intended Use
  • Primary Home
  • Secondary Home
  • Investment
Loan Term 10 - 30 years
Loan Amount Up to $3,000,000
Interest Rate Types Offered Hybrid Mortgage
Mortgage Programs
  • FHA
  • USDA
  • VA

Angel Oak Home Loans Mortgage Refinance Community Reviews

 

Would you recommend Angel Oak Home Loans Mortgage Refinance to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Mortgage Refinance

Strongly recommended

45 Reviews

Mostly recommended

6 Reviews

Rating not yet determined  

2 Reviews

View All
Browse Mortgage Refinance Lenders
SuperMoney
Best Picks
Partner with us
Go to homepage
AICPA SOC for Service Organizations badge SOC 2 Type II Monitored by Vanta badge

Copyright 2023 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.