Angel Oak Home Loans LLC
75% of our customers would recommend this lender.
About Angel Oak Home Loans LLC
Angel Oak Home Loans emerged as a well-managed and well capitalized mortgage banking firm that embraced the entrepreneurial spirit and service driven focus widely absent in the mortgage business. Our lending philosophy is founded upon providing...Read more
Lender ReviewRobert from Miami, FL
Borrower BewareI was referred to Rick Cogswell in the Ft Lauderdale office. I had a loan for a purchase and a refinance on a small apartment building. After i contacted Rick Cogswell I got a position out of state and was unable to followup with providing information with the loan. Rick called several times saying they underwrote with hedge funds and could process faster, they had more leeway and they could get things done. I described my income and sources before we started and Rick was confident we could get it done. My wife followed up with him and provided him all the documentation he requested in a timely manner. After they got the last piece of documentation, they did not follow up with updates, that did not return phone calls where messages were left, they did not respond to emails, until after a dozen unanswered inquiries I sent him a nasty email. He called my wife and said underwriting got delayed because of the New Year. Now we are one business week out of the New Year and he as usual has not responded to inquiries from either me or my wife. It is as if we do not exist. If we were denied I could have applied with my mother in law as an alternative who is willing to and who has excellent credit and income, but we were not denied, we were not approved, we were simply ignored or dropped. I called the office in Atlanta and we got the same voice mail maze that although I left a request for a call back, we got none. I will apply with my mother in law for the purchase with a different company, and I will certainly look elsewhere to refinance my building. If anybody tells you to go to Angel Oak loans, I would say they will promise you the world until you begin the loan process then they will ignore you like you don't exist. Don't waste your time with Angel Oak, stick with a company that will give customer service and a response after inquiries, not a company whose culture seems to be sign em up, waste their time, then nver follow up again. With guys like Rick Cogswell I don't anticipate them staying in business.... Read More
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Loan Officer ReviewAlison from Woodstock, GARecommended!
Wonderful loan officer and experienceI have worked in the business for a long time and owned my home for years. Scott is by far the best loan officer that I have ever dealt with. He is very honest and knows his business well! I will definitely be using him again in the future.
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