ATR Express – Income Documentation Options

First National Bank of America is committed to making Non-QM loans easier for our partners and their clients by reducing documentation, providing quicker qualifications and faster closings. Utilize any of these methods regardless of loan program.

ITIN, Self-employed, SSN, W2 borrower, Recent credit event, we’ve got you and your clients covered!

Block 1

Profit & Loss Only
Our Most Popular Option!

Designed as an income documentation alternative to bank statements allowing Self Employed borrowers to utilize their Profit & Loss statement. No bank statements, no tax returns, no W2’s needed!


Block 2

Bank Statement

Designed to offer an income documentation option for self-employed or 1099 borrowers utilizing Personal or Business Bank Statements.


Block 3

Asset Depletion

Designed for borrowers that need to supplement their income with seasoned assets in order to make their income adequate to qualify for a mortgage.


Block 4

Ready Asset

Designed for the high net worth borrower that wants to use assets to qualify for a mortgage rather than income.


Block 1

Full Doc

Designed to qualify any borrower using standard documentation methods.



Questions? Give us a call today!

Mike Tiraboschi
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Nick Davis
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Jeff Barnes
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