Madeline Garifullin - Angel Oak Home Loans LLC - NMLS #2033423

Madeline Garifullin - Angel Oak Home Loans LLC - NMLS #2033423 A MC that cares about your wants and needs and ensures you have a excellent loan process! All rights reserved. All loans are subject to credit approval.

Mortgage Consultant with Angel Oak Home Loans LLC #685842

© Copyright 2022, Angel Oak Home Loans. Angel Oak Home Loans LLC NMLS # 685842, For licensing information, go to: (www.nmlsconsumeraccess.org),Licensed in AL, AZ #0927070, AR, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act , CO, CT, DE, DC, FL, GA #32379, ID, IL, IN, I

A, KS, KY, LA, ME,MD, MI, MN, MS, MT, ND dba AOHL LLC, NV, NH, Licensed by the N.J. Department of Banking and Insurance, NM, NC, OH, OK, OR, PA, Rhode Island Licensed Lender, SC, SD, TN, TX, UT, VT, VA, WA dba AOHL LLC, WI. Corporate Office: 980 Hammond Drive, Suite 200, Atlanta, GA 30328. The information contained herein is for informational purposes only and is not a commitment to lend. The programs, rates, terms, and conditions are subject to change at any time without notice.

Rents across the nation are increasing just as fast as home prices. Many renters feel that due to home prices, increased...
07/07/2022

Rents across the nation are increasing just as fast as home prices. Many renters feel that due to home prices, increased interest rates, and inflation, buying a home is out of the question. But is it? There are loan options to make buying a home affordable that offer low down payment requirements. Stop investing in someone else's property - and start investing in your own!

Angel Oak Home Loans has mortgage products for those less than seven years out of a credit event such as foreclosure, ba...
07/06/2022

Angel Oak Home Loans has mortgage products for those less than seven years out of a credit event such as foreclosure, bankruptcy, short sale or deed-in-lieu. Traditional loans that adhere to Fannie Mae and Freddie Mac require seven years out of credit events. That is a long time for a borrower to wait who is financially ready to purchase a home again.

Do not turn a homebuyer away simply because they are a few years out of a foreclosure or bankruptcy! Have them call us first. We have loan options with flexible seasoning requirements:

Bank Statement for self-employed: Allows 2 years out of foreclosure, bankruptcy, short sale or deed-in-lieu

Platinum Jumbo: A non-QM Jumbo product that allows 4 years out of foreclosure, bankruptcy, short sale or deed-in-lieu

Portfolio Select: Allows 1 year out of foreclosure, short sale or deed-in-lieu and 2 years out of bankruptcy

Asset Qualifier: Allows 5 years out of foreclosure, short sale or deed-in-lieu and 2 years out of bankruptcy. This loan qualifies using high assets instead of income or employment.

When a homebuyer comes to you with a loan challenge, send them to a lender who specializes in them!

01/07/2022

BREAKING FHFA NEWS!

🚨 HUGE news from the Federal Housing Finance Agency (FHFA): https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-Targeted-Increases-to-Enterprise-Pricing-Framework.aspx. 🚨

🛑 FHFA is taking a hard stance on second home properties and will impose SUBSTANTIAL pricing adjustments. It’s going into effect April 1, but you should prepare now as it impacts purchases and refinances.

🏡 If you’re looking to leverage any of your current second homes OR investment properties before this takes effect, let my team help.

👉 I’ll educate you on the process, steps to take, and ones to avoid!

Happy Monday! In light of it being the week of thanksgiving I thought I’d take a moment to share a few things I’m gratef...
11/22/2021

Happy Monday!

In light of it being the week of thanksgiving I thought I’d take a moment to share a few things I’m grateful for this year.

To start out I am extremely grateful for my job Capital Mortgage! This is truly the first job where I feel valued and feel as if I am able to have the work life balance that I have always yearned for in a job. I am also super thankful for the amazing team I work with and I continue to be astonished at how well we care for our borrowers and how we strive to ensure their loans go quickly and smoothly!

I am thankful for Amberiffic Johnson and Jenni Davis my mom and my aunt for being my first ever loan clients and trusting me while I was still learning. It gave me space to learn our process and know what to expect for my upcoming loans.

I am thankful for my fiancé and soon to be husband Ruslan Garifullin and his unconditional support of me even on the days where I am overwhelmed. This industry has its up and downs but his consistent love and care helps me keep my head up even on my less enjoyable days.

I am thankful for Aaron Schierbaum and my grandma Terry Schierbaum for introducing me to the mortgage industry and teaching me so much about several steps of the loan process. I wouldn’t have found the success I have today without their help and guidance.

I am thankful for all of my followers on here and on Facebook who are supporting me and my business, It makes me thrilled to see where the future will take me!

There is so much more I could list but here is just a few, I hope everyone has a wonderful week 🦃 ❤️

What are you thankful for?

11/02/2021

When someone wants to wait till the end of the week to lock and come back wanting the same rate 😯

I know this is a market to shop around to get the best deal which I will never discourage you from shopping but I will let you know that without a locked rate we will be subject to the ups and downs of the market until we lock 🔒

Things to keep an eye on when shopping

1. The fees on page two of your loan estimate on the left hand side as those will change company to company
2. The APR on page 3 of the loan estimate which shows the percentage of the total cost of the loan. If a companies APR is low that more than likely means their costs are low as well.

The home financing process can be scary and frustrating, especially if you’ve never done it before! I am here to guide y...
10/29/2021

The home financing process can be scary and frustrating, especially if you’ve never done it before!

I am here to guide you through the process and answer any and all questions you may have!

Let’s set up a time to start your process, message me or apply through the link in my bio so I can help you reach your home financing goals!

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Salt Lake City, UT
84101

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