Terms of Use

These Terms of Use apply to your access to and use of the Angel Oak website. By using this website or submitting an application, you agree to these terms.

About Angel Oak

Angel Oak LLC is a direct lender. We receive, assess, and handle applications directly. An application is a request for review and does not guarantee that an offer will be made.

Applications and decisions

You agree to provide information that is accurate and complete to the best of your knowledge. Our team assesses applications and communicates the next steps. If an offer is available, review its full terms before deciding whether to accept.

Electronic communications

You may use this website to communicate with Angel Oak electronically. Keep your contact information current so we can respond to your request. Standard email and internet security limits may apply.

Text messages

Text message consent is optional. If you separately opt in, Angel Oak may send automated transactional messages about your request and account, including receipt confirmations, application-status updates, account notices, and customer-service replies. Consent is not a condition of any purchase, loan, or service. Message frequency varies, up to 5 messages per month. Message and data rates may apply. Reply STOP to cancel or HELP for help. Read the SMS Terms for full details.

Website use

Use this website lawfully and do not interfere with its operation, attempt unauthorized access, or submit information that you do not have permission to provide.

Changes and contact

We may update these terms by posting a revised version here. Questions may be sent to [email protected] or (800) 555-0148.