Non-Prime | First National Bank of America

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.

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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

We Say Yes When Other Banks Say No

Previous bankruptcy, foreclosure, short sale and modifications are ok. You don’t have to wait a couple years to buy a new home!

If you are unable to document your income with tax returns, our Bank Statement Program is a solution for you.

Mobile homes with land, vacant land, mixed used properties are accepted.

If you have a tax id number but no social security number, we can help.