Non QM Home Loan Solutions

Finance a different way to homeownership with Non-QM Mortgages Done Better!

At First National Bank of America (FNBA), we understand that most traditional lenders have a ‘one-size, fits all’ approach to mortgages and that their guidelines, often times, exclude well qualified people. Our Non-QM loans provide mortgage solutions for Self-employed or 1099 borrowers, people that need to supplement income with assets, individuals without social security numbers and everyone in between!

With over 65 years of mortgage lending experience, we have perfected our customized Non-QM lending solutions so that we can get more people approved and into new homes! The team of professionals at FNBA understands the dynamics of Non-QM lending inside and out and we use that understanding to provide our clients with a common sense approach to mortgage approvals. Let us show you how we help thousands of people finance a different way to homeownership.               

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Program Highlights

  • Minimum Down Payment of 15% is Required
  • Gift Funds Allowed
  • Use Tax Return or Bank Statements to Document Income
  • Most Property Types Accepted
  • Quick Closings
  • Fixed Rate Mortgage with 15, 20, or 30 Year Term
  • Up to 55% Debt Ratio allowed
  • Bilingual language support in English and Spanish

Non-QM Mortgage Solutions

If you have been turned down for a mortgage…we can help!

Let us take the stress out of getting a mortgage so you can keep focusing on your business! Our mortgage options allow you to document your income with your Profit and Loss statement or your business/personal Bank Statements to make it easier on you! Minimum down payment of 15% is required. Gift funds accepted with a minimum down payment of 20%.

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We specialize in mortgage solutions for individuals that only have an Individual Tax Identification Number (ITIN). Our ITIN loan programs are available in all 50 states! Minimum down payment of 15% is required. Gift funds allowed with a minimum down payment of 20%.

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Alternative Income Documentation Options:

  • Profit & Loss statement; an Alternative to using your Bank Statement
  • 12 months of Bank Statements; Traditional or Expense Ratio
  • Asset Depletion – Supplement income with seasoned assets
  • Ready Asset – Use your assets to qualify rather than your income
  • Full Documentation – standard income qualifications; W-2s w/pay stubs, Tax Returns, VOE, SSN Award letter

Previous bankruptcy, foreclosure, short sale and modifications are ok.  You don’t have to wait a couple  years to buy a new home, we have loan programs that help you start getting back on your feet as soon as the day after your credit event! Minimum of 15% down is required. 

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Purchase, Refinance or Consolidate Debt with a Non-QM loan today!

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Want to talk to a member of our team? 1-833-394-8404