Customized Non-QM Mortgage Solutions for over 60 years.

A home is one of the bigger investments we make in life and obtaining a mortgage isn’t always easy. First National Bank of America has offered customized mortgage solutions for over 65 years. In that time, we have learned that just like the home you choose is unique, mortgage lending can’t be a one size fits all approach.

If you are looking for a lender that thinks outside of the box to help you secure mortgage financing, you’ve come to the right place! All our mortgage solutions are available to Self-Employed and 1099 borrowers, ITIN borrowers, SSN borrowers Previous Credit Event borrowers and everyone in between! Unlike traditional lenders, we offer alternative income qualification on all of our products and our experienced team is here to take the stress out of applying for a mortgage.

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What is a Non-QM loan?

A Non-QM or Non-Qualified mortgage loan is a home financing solution for responsible borrowers that don’t fit into the parameters of a traditional mortgage. Millions of people that don’t qualify for a home loan by using their tax returns, W-2s or pay stubs alone, are able to qualify with us. Non-QM loans fill the homeownership void by allowing the use of alternative income verification methods and higher debt to income parameters that help get you approved for the mortgage loan you dreamed of.

Non-QM Loans are NOT subprime mortgages or “stated-income” loans.

Benefits of Non-QM Loans:

  • Higher debt ratios
  • Flexibility in underwriting guidelines 
  • Alternative income options:
    • Profit and Loss Onlyour most popular option!
    • Bank Statement
    • Asset Depletion
    • Ready Asset
    • Traditional Full Documentation
  • Financing made simple for Self-employed and 1099 borrowers
  • Financing available for No Credit and Recent Credit event borrowers
  • ITIN borrowers welcome
  • Purchase, Refinance or Consolidating Debt options

 Non-QM loans can provide financing for first time home buyers, 2nd homes, refinances and more!

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Alternative Income Documentation

We have a full suite of income documentation options to help get you approved! From W-2’s and Tax Returns to personal or business Bank Statements, Profit and Loss statements or seasoned Assets, we have you covered.

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What Would You Like To Do?

Purchase, Refinance or Consolidate Debt


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

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.