Wholesale Non-QM Lending
Your Non-QM Partnership Starts Here
Everything you need to price, submit, and close Non-QM loans with FNBA.
Submit Scenario
See if a Non-QM scenario fits FNBA guidelines.
Pricing Engine
Run pricing on a Non-QM scenario in minutes.
Broker Portal
Submit Non-QM loans and manage your pipeline.
Join Us
Start the application process to become an FNBA broker.
Resources
Non-QM flyers, forms, and tools all in one place.
The FNBA Difference
Built on Stability, Focused on Non-QM
Over 70 years of stability backing every Non-QM deal you bring us. First National Bank of America (FNBA) has built a reputation for reliability in residential lending. Today, our focus is exclusively on Non-QM. That means the team pricing your scenario and underwriting your file isn’t juggling every loan type out there. They know Non-QM inside and out – so when a scenario gets complicated, you’re working with people who’ve already seen it and know how to get you and your client to the close.
Years of Experience
%
Non-QM Focused
Designed for More Approvals
Our Non-QM Loan Programs
More ways to say yes to the deals other lenders pass on. Whether your client is self-employed, an ITIN holder, financing a non-traditional property, or working through a unique credit history, we have a program to get the deal done. Four programs, one goal: more approvals for scenarios that don’t fit traditional guidelines.
Equity-Leveraging Programs
FlexFirst HELOC™
First-lien home equity line of credit.
For borrowers who want faster principal paydown and flexible, long-term access to their equity, FlexFirst HELOC™ combines a primary mortgage, HELOC, and an FNBA checking account with a sweep feature into one package.
Dual Core
One loan, two properties.
For borrowers who don’t have the liquid cash to qualify traditionally, Dual Core lets them tap equity in one property to purchase or refinance another. It’s a fixed-rate alternative to a standard HELOC or bridge loan.
Core Programs
Alt-A Premier
Greater flexibility.
For agency fallout borrowers, self-employed clients, and W-2 employees who need more flexibility than traditional guidelines offer.
Near Miss
More room to qualify.
For borrowers financing a non-traditional property, working with thin or no credit, or recovering from a recent credit event.
Have a Non-QM scenario?
Non-Traditional Deals
Real Deals, Real Approvals
See how our Non-QM programs turned deals that didn’t fit the traditional box into closed loans.
Images shown are for illustrative purposes only and do not represent the actual properties.
Get Started
Your Next Non-QM Deal
Submit a scenario or connect directly with our team.
Prefer to talk it through first? Call 800.400.5451.
Ready to Use
Non-QM Tools & Resources
Program guides, informational flyers, marketing materials, and more – all in one place.
Income Documentation Options
View all of our income documentation options.
FNBA's Loan Programs
All four of our Non-QM programs, side by side.
Non-QM Informational Flyers
Print-ready Non-QM flyers for your clients.
Documents & Forms
The submission process, closing costs, and more.
Customizable Marketing Materials
Flyers you can personalize with your contact details.
FlexFirst HELOC™ Calculator
Run numbers for your client.
Your next closing is one scenario away.