Looking for a mortgage?
Discover an Alternative Mortgage Solution, made just for you.
Non-QM Loans: Flexible Mortgage Solutions That Fit Your Needs
Non-QM Loans, or Non-Qualified mortgage loans, are designed for borrowers that may not meet the strict criteria of traditional mortgages. These loans provide an alternative path to homeownership, offering flexibility for individuals with non-traditional income streams, such as the self-employed, or those with credit challenges, including a bankruptcy or foreclosure, minimal credit or no credit. Non-QM loans provide homeownership opportunities for those with an ITIN or SSN.
First National Bank of America is a leading Non-QM mortgage lender, providing tailored solutions that fit you!
Self-Employed
One of the biggest advantages of Non-QM Loans is their flexibility. Unlike conventional loans, Non-QM mortgages allow you to use alternative income verification methods.
ITIN Holder
If you are using a U.S. Individual Tax Identification Number (ITIN), getting a home loan is possible. Non-QM loans can help you purchase or refinance a home in all 50 states.
Unique Properties
Non-QM loans provide financing for properties that don’t meet conventional mortgage requirements such as; mobile homes, non-warrantable condos, vacant land and other unique properties.
Credit Challenges
If you’ve faced a credit challenge such as bankruptcy or foreclosure, a thin credit history or no credit, traditional lenders may turn you down. Non-QM loans are designed to help you secure home financing despite these obstacles.
Let’s turn your homeownership dreams into reality, together!
Non-QM Loans Make it Easier to Qualify
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:
Profit and Loss Only
Bank Statements
Seasoned Assets
Traditional methods
As an experienced Non-QM mortgage lender, we offer the flexibility you need to qualify for a home loan even if you’ve been turned down by a traditional lender. Our programs cater to borrowers with non-traditional income, ITIN borrowers and those looking to purchase or refinance a unique property.
Take the next step
Purchase, Refinance or Consolidate Debt
Want to talk to a member of our team? 1-833-394-8404
View our Frequently Asked Questions for more information.