Finance a different way to homeownership with 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. 


Program Highlights

  • Minimum Down Payment of 15% is Required
  • Gift Funds Allowed
  • Available to borrowers without a social security number
  • Use Bank Statements, Profit & Loss Only, Assets and Tax Returns 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, Spanish and Portuguese
What Would You Like To Do?


Purchase, Refinance or Consolidate Debt