Discover an alternative mortgage solution

Purchasing 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 mortgage lending can’t be a one size fits all approach.

Whether you are looking to purchase, refinance or consolidate debt, FNBA’s Non-QM loan programs offer an alternative mortgage solution, Nationwide. Our loan programs are available to Self-Employed and 1099 borrowers, ITIN borrowers, SSN borrowers, Previous Credit Event borrowers and everyone in between! 

Mortgage FAQs

Is there a difference in the interest rate or FNBA loan requirements if I have a Social Security Number or an ITIN number?

No. FNBA loan requirements are the same for both SSN and ITIN borrowers.

Where will I go to close on my loan?

FNBA allows you to choose your own title company, or we are happy to choose one for you. FNBA works with title companies all over the U.S. and the title company for your closing is usually coordinated with you and your realtor.

Will I need to order my own appraisal?

No, FNBA will order the appraisal when it is time.

Are the interest rates fixed or variable?

All FNBA loans will have a fixed interest rate for the life of the loan.

What are the benefits of getting a loan with FNBA?

FNBA will hold and service your loan for it’s entire term so you will always know where to send your payments and there is never PMI.

What closing costs will I be responsible for?

Similar to traditional mortgage fees, you will be responsible for origination fees, title fees, appraisal fees, recording fees and escrow.

What is a Non-QM loan?

Non-QM stands for Non-Qualified Mortgage. It’s an alternative home financing option for people that don’t meet the requirements set by Fannie Mae or Freddie Mac.

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