Message regarding Mortgage Loan operations due to COVID-19

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 60 years. We’ve learned that just like the home you choose is unique, mortgage lending can’t be a one size fits all approach. All our mortgage solutions are available to Self-Employed borrowers, ITIN 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 conventional mortgages. 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 void by allowing the use of alternative income verification methods to 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 – view FNBA’s available options below
  • Financing made simple for Self-employed borrowers
  • Financing available for 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!


 What Would You Like To Do?





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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.