A Southern live oak
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Send us a textJeremia 17:7-8 Dit gaan goed met die mens wat sy vertroue in die Here stel, die mens vir wie die Here 'n veilige vesting is; so iemand is soos 'n boom wat by water geplant is en sy wortels na die stroom toe uitstoot, nie die hitte voel as dit kom nie en altyd groen blare het; 'n droë jaar raak hom nie en hy hou nie op om vrugte te dra nie. Dit voel of die warm dae warmer word en die koue dae al hoe kouer. Of jy glo dat klimaatsverandering ‘n werklikheid is of nie, daar is een ding wat soos ‘n paal bo water staan. Die versekeringsmaatskappye glo dit beslis, aangesien premies die hoogte inskiet as gevolg van verhoogde skade deur natuurrampe.En vir baie mense, met al die krisisse wat in die wêreld en in hul lewens aangaan, lyk dit of die storms van die lewe ook meer gereeld en intenser word. Hoe berei jy voor vir hulle?Daar is 'n eikeboom op Johns Island naby Charleston, Suid-Carolina waarna verwys word as The Angel Oak. Die eikeboom is volgens raming tussen 400 en 500 jaar oud, hoewel sommige mense meen dit kan selfs 1 500 jaar oud wees. Dit is ongeveer 65 voet of 20 meter hoog en dit gooi ‘n skaduwee van ongeveer17 000 vierkante voet of 1600 vierkante meter. Die langste tak is ongeveer 89 voet of 27 meter lank. Geen wonder 400 000 mense gaan jaarliks om hierdie historiese ‘wonderboom' te sien nie, nè?Hierdie sogenaamde Angel Oak met sy diep wortels en buigsame takke het deur die eeue baie orkane, vloede en natuurrampe oorleef, selfs Orkaan Hugo, 'n kragtige Kategorie 4-storm in 1989, wat wydverspreide verwoesting veroorsaak het.Die feit dat die boom steeds staan, terwyl baie ander omgeval het, het dit 'n simbool van veerkragtigheid en uithouvermoë gemaak.Jeremia 17:7-8 Dit gaan goed met die mens wat sy vertroue in die Here stel, die mens vir wie die Here 'n veilige vesting is; so iemand is soos 'n boom wat by water geplant is en sy wortels na die stroom toe uitstoot, nie die hitte voel as dit kom nie en altyd groen blare het; 'n droë jaar raak hom nie en hy hou nie op om vrugte te dra nie.Diep wortels, buigsame ‘takke' – dis wat jy ontvang as jy op die Here vertrou.En dit is God se Woord. Vars … vir jou … vandag. Support the showEnjoying The Content?For the price of a cup of coffee each month, you can enable Christianityworks to reach 10,000+ people with a message about the love of Jesus!DONATE R50 MONTHLY
Our conversation focuses on the landscape for residential mortgage-backed securities (RMBS), including thoughts around investment considerations. Featured are Clayton Triick, Head of Portfolio Management of Public Strategies with Angel Oak Capital Advisors, and Leslie Falconio, Head of Taxable Fixed Income Strategy Americas with the UBS Chief Investment Office. Host: Daniel Cassidy
Thanks to Lender Toolkit's new Prism. Experience a quantum leap in accuracy and efficiency as you streamline workflows, reduce errors, and close loans faster. Prism's advanced OCR boasts 99 percent accuracy across 1,450+ document types. Effortlessly index, analyze, and underwrite crucial data with their intelligent system.
Today's top headlines: Woman receives maximum sentence in Folly Beach crash that killed newlywed SLED: Man shot by N. Charleston officers held ‘plastic object' shaped like gun Accidents near Summerville school zone cause driver and student safety concerns Roundabout project moving forward at a Mount Pleasant intersection Public meetings set for Lowcountry Rapid Transit System progress Warming stations open across the Lowcountry ahead of cooler temperatures Volunteers harvest marsh grass for West Ashley restoration project ‘Back to its roots' New zoning to protect historic Angel Oak tree Lowcountry medical experts urge vaccinations amidst flu season peaks
On today's episode, Editor in Chief Sarah Wheeler talks with Tom Hutchens, president of Angel Oak Mortgage Solutions, about what's happening in the non-QM part of the industry and his outlook for 2025. Related to this episode: Angel Oak Mortgage Solutions taps Hutchens for president role, promotes three others | HousingWire HousingWire | YouTube More info about HousingWire Enjoy the episode! The HousingWire Daily podcast examines the most compelling articles reported across HW Media. Each morning, we provide our listeners with a deeper look into the stories coming across our newsrooms that are helping Move Markets Forward. Hosted and produced by the HW Media team. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sharing With The Community: A Podcast From The Town of Kiawah Island
New Podcast on the Fascinating History of the Angel Oak In this episode, Angel Oak Preserve Director Samantha Siegel speaks with Mayor Pro-Tempore Russell Berner about the history of the Angel Oak Preserve in Johns Island and what exciting plans are in store for the site.
Featuring expert insights from John Jeanmonod of Angel Oak, this discussion highlights how embracing non-QM solutions can significantly boost a loan officer's business while helping more borrowers achieve homeownership.
Today's podcast is brought to you by American Financial Resources, LLC, the mortgage lender that's shaking things up. AFR is all about innovation – they're currently streamlining their processes, bringing on the best humans in the business, and putting the customer experience front and center. Stay tuned for more captivating discussions and insights on June 6th at 2 pm EST, as industry experts Rob Chrisman and Robert Pieklo delve into pressing topics such as what the investment from the fund managed by Proprietary Capital means for the industry, servicing dynamics, and confronting economic headwinds. Discover firsthand the transformative impact of AFR and the vision for both the company itself and the broader industry landscape. Mark your calendars!
Clayton Triick, Head of Portfolio Management, Public Strategies at Angel Oak Capital Advisors — part of the team running the Angel Oak Strategic Credit Fund — says that fundamentals and valuations seldom get aligned the way they have right now for the U.S. housing market and American homeowners. He notes that valuations are "cheaper than they should be" given the strength of the market and mortgage holders, creating opportunity. Triick says homeowners "did a really good job of locking in low mortgage rates," making them the big winners of the rising rate environment and making mortgages look more attractive than other bond types — particularly corporates where valuations have gotten rich relative to the economy's strong fundamentals.
Members of Angel Oak's Institutional Client Group sat down with technology solutions provider SS&C Technologies to discuss the ongoing demand from insurance companies that want to add residential loans to their investment portfolios.
Our conversation focuses on the landscape for residential mortgage-backed securities (RMBS), including thoughts around investment considerations. Featured are Clayton Triick, Head of Portfolio Management of Public Strategies with Angel Oak Capital Advisors, and Leslie Falconio, Head of Taxable Fixed Income Strategy Americas with the UBS Chief Investment Office. Host: Daniel Cassidy
Eric Morgenson is the Vice President of Business Development at Angel Oak. For the past 30 years he's built a successful career in real estate, sub-prime and non-QM alternative mortgage solutions. He's one of the top producers of non-QM loans in the country. During episode #118 of the Million Dollar Mortgage Experience, Jon and Eric discuss: How to close more loans with non-QM programs Why non-QM is in demand in today's market Details on the different non-QM programs like bank statement 2nd and DSCR Borrower personas for each type of non-QM program and where to find these clients Missed opportunities in the mortgage industry Ideas to find new business and build relationships Technology and how it will affect mortgage jobs Manifestation Habits that contribute to success and happiness Advice for mortgage brokers Learn about FundLoans mortgage programs: FundLoans.com/loan-products Price a loan: fundloans.com/quick-pricer2 Talk with an Account Executive: fundloans.com/our-team
Thanks to today's podcast sponsor, LoanCare. LoanCare has successfully navigated clients and homeowners through market change for 40 years. The mortgage subservicer is known for delivering superior customer experience through personalization and convenience. Its award-winning portfolio management tool, LoanCare Analytics™, supports MSR investors with a focus on customer engagement, liquidity, and credit risk. LoanCare is part of Fidelity National Financial, a Fortune 500 company and leading provider of services to real estate and mortgage industries.
Cheryl Pate, senior portfolio manager at Angel Oak Capital and manager of the Angel Oak Financial Strategies Income Term Trust, says that 2024 "will bring a still somewhat tough operating environment for the banks but net interest margins are abating, valuations are cheap and [mergers and acquisitions] activity should accelerate from here." That gives banks an attractive opportunity set, particularly by focusing on credit quality and looking for "a fundamental mispricing of bank debt" that is creating some compelling bargains for investors.
Cheryl Pate, senior portfolio manager at Angel Oak Capital -- co-manager of the Angel Oak Financial Strategies Income Term Trust (FINS) -- says the banking industry's wild ride since the failure of Silicon Valley Bank in March has created "a market dislocation" in pricing for bank equities and debt, which has created a strong opportunity for bank debt to outperform moving forward. Pate notes that the banking industry has quelled fears over failure contagion, the Fed is nearing the end of the rate-hike cycle and deposits have stabilized. Banks have proven resilient and posted solid earnings, which should combine to create stronger results as the rebound from last March continues.
Colin McBurnette, senior portfolio manager at the Angel Oak Funds, says that while high-rate and high-inflationary conditions have made a lot of investors worry about the housing market, those conditions -- along with wide spreads and low housing stocks creating an imbalance in the supply-and-demand dynamic -- have created real opportunities in the space. The tight market has made the housing market of mortgage credit particularly robust, with strong borrowers as the rate cycle is likely to turn soon; he says the housing and mortgage markets are much more robust now than the corporate credit market in the U.S.
It's a running theme on this show: Charleston is chock full of haunted hotels. We can add The Francis Marion Hotel to that list, as it is said to be haunted by a man who took his own life after being rejected by his lover. Also, the Angel Oak in Charleston is one of the oldest trees this side of the Mississippi River. Many people come from all over to take in its beauty and admire its ability to withstand many horrendous storms over the years, including Hurricane Hugo. Some even say that is brings a ghostly energy at night. And later, we have a short story from the book Spooky South Carolina about a man who encountered a ghost on the infamous Crybaby Bridge. Pick up a copy of Spooky South Carolina here: https://scparkstore.com/products/spooky-south-carolina-adi00785 --- Send in a voice message: https://podcasters.spotify.com/pod/show/scspookshow/message Support this podcast: https://podcasters.spotify.com/pod/show/scspookshow/support
Kriti Gupta, markets editor and host of Bloomberg Surveillance: Early Edition, joins to talk about the potential UPS strike. Ira Jersey, Chief US interest rate strategist for Bloomberg Intelligence, previews Fed minutes and discusses the yield curve. Nimrit Kang, co-CIO and Senior Portfolio Manager at North Star Asset Management, joins to discuss investing strategies and gives her market outlook. Mike McGlone, Senior Macro Strategist with Bloomberg Intelligence, and Fernando Valle, Senior Analyst with Bloomberg Intelligence, join in a roundtable on oil, global energy, OPEC+ cuts, and other notes they're working on. Gerry Smith, Media Reporter with Bloomberg News, discusses Amazon weighing TV cost concerns and ESPN's huge layoffs. Ward Bortz, ETF Portfolio Manager at Angel Oak, joins the program to discuss ETF outlook for the year and how it's performing against the broader market. Hosted by Paul Sweeney and Molly Smith.See omnystudio.com/listener for privacy information.
Our conversation outlines the current landscape for fixed income investors and where to locate opportunity within RMBS. We also discuss the road ahead for monetary policy, the economy and the broader. markets. Featured are Colin McBurnette, Senior Portfolio Manager, Angel Oak Capital Advisors, and Leslie Falconio, Head of Taxable Fixed Income Strategy Americas with the UBS Chief Investment Office. Host: Daniel Cassidy
Cheryl Pate, senior portfolio manager at Angel Oak Capital -- co-manager of the Angel Oak Financial Strategies Income Term Trust -- says that current problems in the banking sector are setting up a recovery, noting that 'opportunities like this are fairly rare, probably a once-in-a-decade opportunity for the banking space,' with the biggest opportunities being on the debt side as spreads start to normalize under the rules and conditions. Pate says investors have good reason to believe that discounts for bank-oriented closed-end funds are likely to narrow as sentiment improves for the sector, with debt benefitting from a consolidation cycle in the industry while the equity benefits from renewed confidence and better positioning for the future.
Emma Quigley, SVP of Institutional Business Development, and Rob McDonough, Director of ESG and Regulatory Initiatives, discuss how Angel Oak's proprietary scorecard methodology has allowed us to integrate ESG into our investment process and make an impact with the banks we hold.
Jennifer Lee, Senior Economist at BMO Capital Markets, joins the program to discuss the Bank of Japan news, the UK narrowly avoiding a recession, and what it means for their central banks. Aneeka Gupta, Director of Macroeconomic Research at WisdomTree, joins the show to discuss the Fed's rate hike path and global economic activity. Hans Dau, CEO at Mitchell Madison Group, joins the program to discuss the recent eco data coming out of China, outlook for its economy, and outlook for emerging markets like China and inflation in the US. Ward Bortz, ETF Portfolio Manager at Angel Oak, joins the program to discuss ETF outlook for the year and how it's performing against the broader market. Jack Farchy, Senior reporter of energy and commodities with Bloomberg News, joins the show to discuss his story about commodity trader Trafigura Group facing huge losses via nickel fraud. Hosted by Matt Miller and Kriti Gupta.See omnystudio.com/listener for privacy information.
Cheryl Pate, senior portfolio manager for Angel Oak Capital -- manager of the Angel Oak Financial Strategies Income Term Trust -- says that it's late in the cycle for rate hikes, mid-cycle for banks in terms of margin expansion and early in the cycle for credit, and she noted that the financial services sector typically goes through a profit-margin expansion that's a 'lagged benefit' that should show up early in the year when the rate hikes stop. She expects that benefit to show up late in the year or into 2024, but she says fundamentals -- including credit quality and default risk -- will be moving in the right direction and that financial services companies will experience the benefits they historically get from operating in high-rate conditions.
Vice President Of Business Development at Angel Oak Mortgage Solutions Eric Morgenson is on The Loan Officer Wealth Podcast this week! During this exciting conversation, you will learn more about “Non-Agency” Loans and about the tax code! During this incredibly valuable conversation, you will learn:
Listen to Angel Oak's investment and product teams discuss the firm's decision to launch an interval fund, and hear why they believe it is gaining traction among retail and institutional investors.
This episode of Your Mortgage Matters dives into how it is absolutely possible to purchase a home in today's market - especially if you have the right lender with the right loan products! Licensed Sales Manager Rick Fantucci and Licensed Mortgage Advisor Chris Philmon each have 20 years of experience in mortgage lending. They use Angel Oak's loan products to solve challenging loan circumstances and get homebuyers to the closing table. They detail actual scenarios where they have helped people close loans using particular loan types many lenders do not have.
Listen to Angel Oak's investment and product teams discuss the firm's decision to launch an interval fund, and hear why they believe it is gaining traction among retail and institutional investors.
Cheryl Pate, senior portfolio manager for the Angel Oak Financial Strategies Income Term Trust, says that community banks stand out as a part of the financial sector that is poised to benefit into 2023, as banks will likely see the bulk of continuing rate hikes fall directly to the bottom line. Still, she favors bonds to stocks in the sector. When that interview for The NAVigator is finished, the action moves to FinCon22 in Orlando, where Chuck interviews Robert Farrington of The College Investor, financial educator Stacy Mastrolia -- "Prof Stacy" -- Lee Huffman of We Travel There, Asma Alsalmeh of the Latte Money podcast, and financial coach Kim Hunter-Borst.
Cheryl Pate, senior portfolio manager for the Angel Oak Financial Strategies Income Term Trust, says that community banks stand out as a part of the financial sector that is poised to benefit into 2023, as banks will likely see the bulk of continuing rate hikes fall directly to the bottom line. Even with that boost, however, she favors bank debt right now compared to holding bank stocks, noting that banks had an excess of deposits generated during the pandemic period and that is being flushed from the system and fee income is falling due to lower loan growth and higher costs, which have created headwinds to earnings. With capital levels at multi-year highs and high levels of liquidity and reserves, Pate sees opportunity in banking-sector debt now that coupons have been "rising nicely," plus she sees community banks as attractive merger candidates which should give a boost to their paper as transaction activity increases into next year.
This episode of Your Mortgage Matters dives into why Angel Oak's non-QM portfolio loans make a difference! They help our Realtors, our team, our customers and the industry thrive. Two of our mortgage experts here with Angel Oak Home Loans, Holly St. Germain and Amanda Callaghan, join host Mac Cregger and detail how it has improved their business and their clients' business. They also explain the importance of customers to "marry the house and date the rate" in today's market.
Steven Winokur is the Chief Marketing Officer for Angel Oak's lending companies and oversees the marketing and branding initiatives for those entities.Steven has over 24 years of experience in marketing and branding in both corporate and agency environments. Prior to Angel Oak, Steven was Vice President of Marketing for Buyers Protection Group, a national home warranty/home inspection firm. Prior to that, he was the Assistant Vice President of Marketing and Brand Equity for United Guaranty. For over 10 years prior to that, Steven was a partner in two different brand and marketing communications agencies.Steven holds an MBA from Emory University and a B.S. degree from the University of Miami.
Angel Oak is comprised of an entire ecosystem supporting investors, loan officers, Realtors, builder developers and consumers. Adam Beeler, head of institutional sales at Angel Oak, explains how there is a direct line from our asset management team to our lending team. This symbiotic relationship results in more mortgage product solutions for more types of borrowers and differentiates us from any other mortgage company. In today's market, a lender backed by an entire ecosystem such as ours fuels opportunities for homebuyers and real estate professionals they might not find with other companies. This podcast is an important one to watch in light of today's challenging real estate market. Listen now!
Efforts by the Federal Reserve to curb inflation will take time. Interest rates will likely continue to increase slightly for the near future. Your Mortgage Matters host Mac Cregger talks to Managing Director in Lending Capital Markets, Shayan Salahuddin, on how that affects the mortgage industry. As well, Shayan explains how Angel Oak's business model helps with affordability and commits to surety of execution throughout the loan process. Anyone planning to buy a home or those working in the mortgage and real estate industry will hear valuable market information in this podcast. Listen now!
We are excited to bring you a brand new series of our podcast Your Mortgage Matters hosted by Senior Vice President, Divisional Manager Mac Cregger! The market is quite a challenge this year for everyone - Realtors, loan officers, builders and homebuyers. We are addressing these challenges in each episode that will include interest rates, inflation, inventory and how to buy a home easily in trying times. Realtors and builders can count on information to help them continue to sell homes and maximize their earning potential. Watch our kick-off episode now and tune in next Thursday, June 16th - we deep dive into the market and how Angel Oak is meeting the demand for solutions.
Jan Rooney, State Farm Agent and Ty Keller Licensed, Mortgage Advisor at Angel Oak Home Loans Jan Rooney has over 20 years of experience in the insurance industry holding numerous positions from underwriting to claims, to human resources, to State Farm Agent where she enjoys serving her community. She holds a bachelor's degree from University […] The post Jan Rooney, State Farm Agent & Ty Keller, Licensed Mortgage Advisor for Angel Oak Home Loans appeared first on Business RadioX ®.
Manny Mosqueda is an account executive with Angel Oak Mortgage Solutions. He is an expert in Non-QM lending, with over 19 years of experience that includes products such as Bank Statement loans for self-employed borrowers. Manny is a graduate of California Lutheran University with an emphasis on Finance. He was also a student athlete, having played baseball for his college, and he now he has two children who are also heavily involved in athletics. We're very much looking forward to hearing his story, his thoughts on where the real estate and mortgage markets are heading, as well as his vast knowledge of Non-Qualified mortgages for the ever growing part of the population who need a mortgage but don't qualify using W2 or 1099 income. #lending #loans #NonQMLoans #NonQMLending #mortgage #loanofficers #subprime #money #finance #southerncalifornia
Angel Oak Mortgage, Inc . (NYSE: AOMR) CFO Brandon Filson sees the non-qualified mortgage (QM) loan segment reverting over time to its historical level of about 10% of the overall mortgage market, compared to 2% today, providing the mREIT with significant opportunity for growth in the years ahead.Speaking on the REIT Report, Filson noted that 10% of the overall market would be about $200 billion, versus about $25 to $50 billion today.Angel Oak Mortgage, which went public in June 2021, focuses on acquiring and investing in first lien non-QM loans and other mortgage-related assets in the U.S. mortgage market. Non-QM loans are not backed by government agencies and are aimed at homebuyers unable to meet the strict criteria of a qualifying mortgage in areas such as income or personal debt.
On today's episode, Editor in Chief Sarah Wheeler talks with Managing Editor James Kleimann about how big lenders are dealing with lower volumes and rising rates. The two discuss Rocket's guarantee to close in 15 days, Movement's layoff and Angel Oak's 30-day rate lock. HW Media Articles related to this episode:Rocket promises brokers 15-day loan closings Movement Mortgage lays off 170 employeesIn volatile market, Angel Oak sets 30-day rate lock period
On today's episode, Editor in Chief Sarah Wheeler talks with Senior Mortgage Reporter Bill Conroy about what's happening in the private label security market. The two discuss how rate volatility is affecting the PLS market and how a recent judge's ruling in a lawsuit regarding student loan securitizations could result in the CFPB playing a larger role in the PLS market. HW Media articles related to this episode:PLS market struggling to clear backlog of loans locked at last year's ratesJudge's ruling will put PLS trusts under the thumb of the CFPBAngel Oak Mortgage REIT records solid earnings performance
Amanda Callaghan is a Mortgage Loan Originator at Angel Oak Home Loans LLC Choosing an experienced lender is essential in today's purchase environment. With over 10 years of experience in home loans, Amanda has made it her personal commitment to provide her expertise and excellent service in the mortgage business. As a lending professional, Amanda specializes in VA, FHA, USDA, and Conventional Loans. In addition, she offers a portfolio suite of products to meet unique home loan needs, including Bank Statement, Investor Cash Flow, Asset Qualifier, and Prime Jumbo. Amanda respects that everyone comes with unique circumstances and she is ready to advise them on the very best way to meet their mortgage needs. Offering traditional loan products and a portfolio suite of programs enables her to help a larger population of people including those who did not think homeownership was a possibility. Unlike much of her competition, Amanda provides innovative recommendations and assistance from the start of the application to the final settlement. Amanda's website: https://angeloakhomeloans.com/advisors/amandacallaghan/ (https://angeloakhomeloans.com/advisors/amandacallaghan/) Amanda's LinkedIn Profile: https://www.linkedin.com/in/amanda-callaghan-2925985a/ (https://www.linkedin.com/in/amanda-callaghan-2925985a/)
Emma Quigley, SVP of Institutional Business Development, discusses how Angel Oak approaches ESG and the role of ESG within the firm's investment process with Rob McDonough, Director of ESG and Regulatory Initiatives.
In this special episode of the OctoBoo series, the sisters drag Noah out to the Angel Oak tree on John's Island, SC at night. Spookiness occurs and ends with Karen's car high-tailing it out of the creepy woods. #angeloaktree #spookyseason #hauntings #ghosthunting #halloween
Emma Quigley, SVP of Institutional Business Development, met with Namit Sinha, CIO of Private Strategies, to discuss the benefits of Angel Oak's vertically integrated model and why he finds Non-Agency RMBS an attractive investment opportunity, and how Angel Oak is incorporating ESG into its initiatives.
SVP of Institutional Business Development Emma Quigley discusses the mortgage industry and what sets Angel Oak's business model apart from others in the industry with Steven Schwalb, partner of Angel Oak Lending.
Listen to Angel Oak's portfolio management team discuss performance in the first half of 2021 and explain how its strategies are positioned for potential opportunities in both structured and corporate credit. The post 2021 Mid-Year Outlook Podcast appeared first on Angel Oak Capital Advisors, LLC..
Hello Podcast listeners, Today is a very special episode with Cheryl Pate, Portfolio Manager at Angel Oak Capital Advisors. Cheryl brings over 15 years of investment experience where her focus is on investment research and management across the firm's financial sector focused strategies. Before this, Chery was an Executive Director and Head of Consumer & Specialty Finance Equity Research at Morgan Stanley. She earned her BS in Finance from the University of British Columbia and her MBA from Duke. She also holds the Charted Financial Analyst designation. In today's episode we discuss her approach to investing, community banks, and ESG. Enjoy and thanks for the listen!
In this episode of Inside the Mortgage Mind, XINNIX Founder & CEO, Casey Cunningham, spends some time with fellow and industry leader and personal friend, Mike Fierman, Co-CEO of Angel... The post XINNIX Executive Interviews – Mike Fierman, Angel Oak Companies Co-Chief Executive Officer appeared first on XINNIX.
Ed Powell, Regional Manager for Consumer Direct Sales at Angel Oak Home Loans and Mortgage Industry Legend, joins the show for his 2nd episode to offer his lead management insights from an over 30 year mortgage career. Ed offers his advice to leaders who have not yet been through a rising rate environment and offers his opinions on what a Purchase strategy looks like from a lead management perspective. Last but not least, we also discuss the blurring lines of Consumer Direct and Retail and offer our predictions how the evolution of consumer expectations will have a lasting impact on the mortgage industry.
On this episode of CREATURES OF THE NIGHT, learn the secrets of the zombie mink from Denmark, the Beetlejuice haunted house, Ian's crying closet and surviving survival jobs. The team goes deeper into the world of Necroscope, discovering that the nature of the Wamphyri may be more alien and parasitic than Dragosani could have imagined. Writer/Director, Ivan Kavanagh’s cult horror, “Son” is the pick for this episode's movie review and the Boulets share their thoughts on dealing with the Devil. Finally, learn the horrible and haunted past of one of the oldest living things east of The Mississippi, the "Angel Oak".
On this episode of CREATURES OF THE NIGHT, learn the secrets of the zombie mink from Denmark, the Beetlejuice haunted house, Ian's crying closet and surviving survival jobs. The team goes deeper into the world of Necroscope, discovering that the nature of the Wamphyri may be more alien and parasitic than Dragosani could have imagined. Writer/Director, Ivan Kavanagh’s cult horror, “Son” is the pick for this episode's movie review and the Boulets share their thoughts on dealing with the Devil. Finally, learn the horrible and haunted past of one of the oldest living things east of The Mississippi, the "Angel Oak".
Mike Faraci and Erik Morgenson, Business Development at Angel Oak Mortgage Solutions discuss how Angel Oak can help meet your Non-QM or "Non-Agency" Needs.
The shocks that hit the credit markets in mid-March had already caused disruptions to the non-QM segment – these were however compounded when the last two of the large investors Angel Oak and Citadel also bowed out. Many lenders not only stopped new loans, but also had to pull loans from the pipeline. However, not […] The post Where in the World is Non-QM? A Mortgage Media Discussion with Robert Senko of ACC Mortgage appeared first on Mortgage Media.
This week, Tom Hutchens, the executive vice president of production at Angel Oak Mortgage Solutions, and Manish Valecha, the head of client solutions at Angel Oak Capital Advisors, join the Housing News Podcast for its season finale.In this episode, the duo discusses the current non-QM landscape, as well as what led to the quick evaporation of the product in March 2020.Additionally, the pair discuss the two newly announced proposed rulemaking notices from the Consumer Financial Protection Bureau on the QM Patch, and what those changes could mean for the industry at large.The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines, sponsored by our partners at Arch MI and Quicken Loans Mortgage Services.Here are links to the topics discussed:Did non-QM just disappear from the market?Non-QM lending has disappeared from the marketNon-QM lending inching back into the marketCFPB to eliminate DTI requirement from qualified mortgage standards
Listen to Portfolio Manager Cheryl Pate discuss Angel Oak's investment thesis and why community banks are well-positioned in today's market environment. The post Podcast: Alternative Investments: An Interview with Cheryl Pate, CFA® appeared first on Angel Oak Capital Advisors, LLC..
Listen to Angel Oak's Financials team discuss the current fundamentals of community banks, M&A activity, and the investment opportunities in community banks going forward amid recent market volatility. The post Podcast: Community Bank Update appeared first on Angel Oak Capital Advisors, LLC..
What is Elijah Wood's favorite tree!? The Termites branch out into kissing strangers, tongue cuts, eboys, and Whoopi Goldberg eyebrows.--- FOLLOW US: IG: http://instagram.com/morningwoodpod Twitter: http://twitter.com/morningwoodpod2 FB: http://facebook.com/morningwoodpod--- ALSO LISTEN ON:iTunes: https://itunes.apple.com/us/podcast/morning-wood/id1381025687?mt=2Google Podcasts: https://www.google.com/podcasts?feed=aHR0cHM6Ly9yc3Muc2ltcGxlY2FzdC5jb20vcG9kY2FzdHMvNzQ4OC9yc3MSpotify: https://spoti.fi/2Nv0jUo Stitcher: http://www.stitcher.com/s?fid=185226&refid=stpr
Ed Powell, Regional Manager for Consumer Direct Sales at Angel Oak Home Loans, joins the show live from the Lead Generation World Conference in Denver, CO to offer his insights into Lead Management. Ed is a Lead Generation and Consumer Direct Mortgage legend and has been in the mortgage industry for over 30 years. He talks about his new role with Angel Oak Home Loans while offering his thoughts on emerging technologies and the evolution of industry conferences. He also provides his opinion on his favorite types of leads and what some of the best user adoption tools are when operation a Lead Management system. Last but not least, Ed and I discuss his top Lead Management rules that are imperative to running a successful sales operation.
David Aferiat/Avid Vines Avid Vines puts French & European clean, sustainably crafted wine within walking distance of desire. AVID Vines was started to solve the problems experienced the next day after celebrating – which is why their selections are characterized by lower alcohol, fewer sulfites, and the highest quality and classification of juice. They temperature […] The post SIMON SAYS, LET’S TALK BUSINESS: David Aferiat of Avid Vines, Mac Cregger of Angel Oak Home Loans, and Glade Johnson of Advantage Protective Services appeared first on Business RadioX ®.
We're headed down South this week, with an episode dedicated to Charleston, SC. Vin whips up a drink that looks and tastes fit for sipping on a porch in the Holy City. the Charleston Fizz. Meanwhile, Taylor tells you all about some of the city's famous haunts, including the Angel Oak, the Unitarian Church Cemetery, and the Powder Magazine. So, pull up a chair and make yourself a drink and enjoy the latest episode of Restless Spirits.
Stop Talking, Take Action, Get Results. Business and Personal Growth with Jen Du Plessis
In this episode, I chat with Tom Hutchens, the Executive Vice President of Production at Angel Oak Mortgage Solutions, a non-QM lender. Angel Oak operates across the country in 44 states and has found its niche in serving by helping loan officers to explore new opportunities to grow their business with unique wholesale lending solutions. […]
Stop Talking, Take Action, Get Results. Business and Personal Growth with Jen Du Plessis
In this episode, I chat with Tom Hutchens, the Executive Vice President of Production at Angel Oak Mortgage Solutions, a non-QM lender. Angel Oak operates across the country in 44 states and has found its niche in serving by helping loan officers to explore new opportunities to grow their business with unique wholesale lending solutions. Love the show? Subscribe, rate, review, and share! Here’s How » Join the Mortgage Lending Mastery Community today: jenduplessis.com Become a MLM Gold Member! MLM Membership
This week, Tom Hutchens, the EVP of production at Angel Oak Mortgage Solutions, explains to listeners the role of Non-QM lending and what the expiration of the QM Patch could mean for the housing industry. Additionally, Hutchens discusses the nation's homebuying confidence, which climbed to new heights in July.In July, the Consumer Financial Protection Bureau expressed its intent to allow the QM Patch to expire as early as 2021, and Fannie Mae's Home Purchase Sentiment Index indicated that America's housing confidence peaked to its highest level at 93.7 points.
In this episode, Chris heads to downtown Raleigh and speaks to the members of Angel Oak Creative - a marketing firm that solely works with nonprofit organizations. They have a great conversation about how the organization was created and how important the art of storytelling is in the areas of recovery and marketing. Music by Vibe Trax
In our Hot Topic segment on April 8th we'll have Tom Hutchens with us talking about the growth of the non-QM loans and how these types of loans have been expanding across the mortgage industry. Tom is Executive Vice President of Production for Angel Oak Mortgage Solutions, an Atlanta-based wholesale and correspondent lender leading the non-QM space for five years and licensed in 44 states. Tom has over 18 years of experience in leading sales for a wholesale and correspondent lending platform with proven success in the expansion of a lending footprint nationwide. Prior to Angel Oak, Tom was a senior sales leader at SouthStar Funding and was responsible for business and sales development across the country. He later served as the President of Novo AMC where he was instrumental in launching the organization. Topics to be covered in our Hot Topic segment with Tom Hutchens: Why is everyone in the industry talking about non-QM? Why is non-QM the one area of mortgage lending that is growing?Who need these types of loans? What are the characteristics of the typical non-QM borrower?Non-QM – are these loans riskier than QM ones?Why does non-QM matter to me as an originator?How can I grow my business using non-QM? And more! You can reach Tom by phone at (855) 539-4910 or e-mail Info@AngelOakMS.com. Read more... In our Hot Topic segment on April 8th we'll have Tom Hutchens with us talking about the growth of the non-QM loans and how these types of loans have been expanding across the mortgage industry. Tom is Executive Vice President of Production for Angel Oak Mortgage Solutions, an Atlanta-based wholesale and correspondent lender leading the non-QM space for five years and licensed in 44 states. Tom has over 18 years of experience in leading sales for a wholesale and correspondent lending platform with proven success in the expansion of a lending footprint nationwide. Prior to Angel Oak, Tom was a senior sales leader at SouthStar Funding and was responsible for business and sales development across the country. He later served as the President of Novo AMC where he was instrumental in launching the organization. Topics to be covered in our Hot Topic segment with Tom Hutchens: Why is everyone in the industry talking about non-QM? Why is non-QM the one area of mortgage lending that is growing?Who need these types of loans? What are the characteristics of the typical non-QM borrower?Non-QM – are these loans riskier than QM ones?Why does non-QM matter to me as an originator?How can I grow my business using non-QM? And more! You can reach Tom by phone at (855) 539-4910 or e-mail Info@AngelOakMS.com. Read more...
In our Hot Topic segment on April 8th we'll have Tom Hutchens with us talking about the growth of the non-QM loans and how these types of loans have been expanding across the mortgage industry. Tom is Executive Vice President of Production for Angel Oak Mortgage Solutions, an Atlanta-based wholesale and correspondent lender leading the non-QM space for five years and licensed in 44 states. Tom has over 18 years of experience in leading sales for a wholesale and correspondent lending platform with proven success in the expansion of a lending footprint nationwide. Prior to Angel Oak, Tom was a senior sales leader at SouthStar Funding and was responsible for business and sales development across the country. He later served as the President of Novo AMC where he was instrumental in launching the organization. Topics to be covered in our Hot Topic segment with Tom Hutchens: Why is everyone in the industry talking about non-QM? Why is non-QM the one area of mortgage lending that is growing?Who need these types of loans? What are the characteristics of the typical non-QM borrower?Non-QM – are these loans riskier than QM ones?Why does non-QM matter to me as an originator?How can I grow my business using non-QM? And more! You can reach Tom by phone at (855) 539-4910 or e-mail Info@AngelOakMS.com. Read more...
Robert Mulcahy, with Angel Oak Prime Bridge, is on air with Abhi to discuss lending. The kick-off the show discussing Atlanta and what that market is like right now and transition into how you can find the right investment property for you! Robert discusses how you can wisely invest out of market and urges listeners to do their due diligence. When looking to invest in the right property, Robert discusses the steps you should be taking before you really start the search, like setting a budget and of course, knowing your market. It doesn’t matter what market they discuss, it is all about your investing personality, your research and your team. Robert shares his “golden nuggets” with investors who want to invest with Angel Oak. They discuss the technology resources that they utilize to find the right deals out there. Once they find the property, they analyze what kind of property it is — i.e. fix and flip. He stresses not to be “hungry” just to get the deal and to pull in a licensed inspector to be sure you are able to afford the property. Tune in to learn all about this and so much more! Visit AngelOakPrimeBridge.com today to get started with Robert and his team.
Today we meet Megan and James, two people who crossed paths here in Charleston at a local Crossfit gym and one day while removing tape from one of their events decided let's go start a gym together! These two have an awesome ying and yang relationship and are determined to educate the public that CrossFit is accessible to anyone and everyone. Learn more about Angel Oak CrossFit: http://angeloakcrossfit.com/ Snorks TV show Drake- trophies Roxetter- Dangerous
Today we meet Megan and James, two people who crossed paths here in Charleston at a local Crossfit gym and one day while removing tape from one of their events decided let's go start a gym together! These two have an awesome ying and yang relationship and are determined to educate the public that CrossFit is accessible to anyone and everyone. Learn more about Angel Oak CrossFit: http://angeloakcrossfit.com/ Snorks TV show Drake- trophies Roxetter- Dangerous
We are sitting in front of one of the oldest trees east of the Rockies. The majestic Angel Oak has been here for generations. But how long exactly? Some say 300 years. Others estimate the tree to be 1500 years old. Check this out! --- Support this podcast: https://anchor.fm/jayne-simmons/support
Listen The post Podcast: High Yield – Part 2: Angel Oak’s Differentiating Approach to Investing in High Yield Bonds appeared first on Angel Oak Funds.
Listen The post Podcast: High Yield – Part 1: Angel Oak’s Outlook for the High Yield Bond Market appeared first on Angel Oak Funds.
In this Travel Tuesdays episode, join us as we explore the history, beauty and terrific food scene in Charleston, South Carolina. We also visit Mt. Pleasant, find starfish on the beaches in Isle of Palms and marvel at the Angel Oak tree on Johns Island. [player] From this episode: RV Resort: Charleston/Mt Pleasant KOA, Mt The post RFWH70: Travel Tuesdays, Exploring Charleston, South Carolina- The Bustling Food Scene, Starfish and the Isle of Palms, Discovering Historic Beauty appeared first on Real Food Whole Health.
Although some investors are still holding tight to credit standards, mortgage credit availability loosened last month, according to a recent Mortgage Bankers Association report. The MBA concluded that the Mortgage Credit Availability Index (MCAI) increased 0.5 percent to 122 in April. Of the index’s four components, Government lending saw the greatest easing and was up 1.1 percent over the month. The Jumbo index increased of 0.8 percent and the Conforming index saw an increase of 0.2 percent. The Conventional index decreased 0.6 percent. It appears the increase was driven by new offerings of FHA’s 203(k) home improvement program, new VA offerings and new jumbo products. The increase was partially offset by some investors tightening underwriting criteria on conventional cash out offerings.” Joining me today to discuss alternative mortgage lending is Lee Janc, a Strategy and Business Development Executive for the Financial Service Industry and Eric Morgensen of Angel Oak Home Loans. Angel Oak Home Loans serves both the Retail and the Wholesale markets and specializes in non-conforming products.
Actually, this generation's kids might not be as bad as you think, on second thought, you don't need to buy an Obamacare policy, the 5-second rule is real, how to get away with a double homicide in Charleston, what my kindergartner learned in public school, Sen. Tim Scott joins us, the Angel Oak is safe, for now, you don't need that stinkin cell phone and much more on the podcast. (68:24)
Actually, this generation's kids might not be as bad as you think, on second thought, you don't need to buy an Obamacare policy, the 5-second rule is real, how to get away with a double homicide in Charleston, what my kindergartner learned in public school, Sen. Tim Scott joins us, the Angel Oak is safe, for now, you don't need that stinkin cell phone and much more on the podcast. (68:24)
Queen Quet, Chieftess of the Gullah/Geechee Nation (www.QueenQuet.com) is the hostess of Gullah/Geechee Riddim Radio on behalf of the Gullah/Geechee Sea Island Coalition (www.gullahgeechee.net). On this broadcast, she interviews the Executive Director of the Lowcountry Land Trust, Elizabeth M. Hagood. These ladies are uniting forces for the first "Fellowship at the Angel Oak" which is scheduled for Sunday, November 3, 2013. Tune in to learn more about the coming event and the 1.2 million dollar fundraising effort underway to create the Angel Oak Park on historic Johns Island, SC in the Gullah/Geechee Nation. Disya da we sho-Gullah/Geechee Riddim Radio! www.gullahgeecheenation.com
Queen Quet, Chieftess of the Gullah/Geechee Nation is the host of "Gullah/Geechee Riddim Radio." The show is sponsored by the Gullah/Geechee Sea Island Coalition. On this episode, she will discuss the history of John's Island, SC and saving the Angel Oak tree which has been there for hundreds of years. Special guest from "Save the Angel Oak Organization" will be on the air. Disya da we show! Yeddi Gullah/Geechee Riddim Radio!