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Self Employed Mortage Solutions

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Qualifying made easier

Unlike traditional loans, Non-QM mortgages allow the use of alternative income documentation, making it easier to qualify. At FNBA, we have income options to fit all types of borrowers and only require 12 months of income history utilizing any of the below options:

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Profit and Loss Only

Bank Statements (Personal or Business)

Seasoned Assets

Traditional methods

including w2’s, paystubs & tax returns

If you are looking for an experienced lender that thinks outside of the box and is ready to go above and beyond to take the stress out of applying for a mortgage, you’ve come to the right place!

Ready to Purchase, Refinance or Consolidate Debt?

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Program Highlights

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Minimum Down Payment of 15% is Required

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Gift Funds Allowed

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Alternative Income Documentation Options available:

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Profit & Loss Statements – our most popular option!

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Business or Personal Bank Statements

E

Asset Depletion

E

Ready Asset

E

Traditional methods; Tax Returns, 1099s, etc.

E

Most Property Types Accepted

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Quick Closings

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Fixed Rate Mortgage with 15, 20, or 30 Year Term

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Up to 55% Debt Ratio allowed

What are people saying?

Real words from real customers!

We just closed on our new home, all made possible by First National Bank of America. We had a great experience with Kassandra, Mallory and the entire FNBA team! They were very responsive and helped make the process painless. Home buying can be so stressful but with their help everything ran smoothly. A big thank you to all!

-Lori H.

We recently worked with Kassandra to obtain a mortgage loan through First National Bank of America in Lansing, MI. Our experience could not have been any better. Kassandra was personable, pleasant, professional and knowledgeable in all aspects of the buying process. She helped educate us on so many things of which we were unaware and she was accessible any time we had questions. We have bought 4 houses in our lifetime, the loan process for this purchase was by far the smoothest, we attribute that totally to Kassandra's professionalism and knowledge. We can not say "Thank you" enough for all of her hard work!

-Sue S.

The mortgage process is always a bit stressful but add COVID-19 to the mix and you have fireworks. Our loan officer Eric always managed to explain and settle us back down. And now we are the owners of our fantastic new home. Many many thanks!

-David E.

Stephanie Brown was our Loan Officer for our home purchase. I was truly impressed with how quickly and efficiently we were able to get approval and keep the process moving forward. I have purchased multiple homes over the years and as a small business owner it has been one of the worst experiences to go through each time. The process feels like something from the Spanish Inquisition to be able to qualify. Stephanie had an approval for me in just under 24 hours. She was very responsive and communicative from our very first contact all the way to the closing and after, following up to see how our move went and to congratulate me again. For the first time ever, getting a mortgage was a simple and straight forward process. It made the stress of the situation significantly reduced!! The time lines she presented for the process were spot on.

-Patti B.

Communication Method

All communication by any method provided in any language other than English is for courtesy and/or information only. All mortgage documents necessary to effectuate the transaction, required by law, or required by federal regulation, will be provided in English. Las comunicaciones de todo tipo provistas en idiomas distintos al inglés son solamente para fines de cortesía y/o informativos. Todos los documentos hipotecarios necesarios para efectuar la transacción, requeridos por ley o por reglamentación federal, serán provistos en inglés.

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