First National Bank of America

241 E Saginaw
East Lansing, MI 48823

About Us

First National Bank of America has focused on providing niche mortgages to customers since 1955. As a leader in the Non-QM space, our loan programs have consistently provided the opportunity of home ownership to credit-worthy borrowers that don't fit in the traditional mortgage box. FNBA is a full service, portfolio lender which provides us with the flexibility needed to deliver Non-QM loan solutions that resonate with self-employed borrowers who need alternative income documentation options, customers that only have an ITIN, people that may have experienced a recent credit event and everyone in between. Our customized approach to Non-QM is a perfect match in an industry that craves flexibility and demands results.

 

What We Offer

Loan Types
  • Non-QM
  • ITIN
  • Bank Statement Loans
  • Profit & Loss
  • Asset Utilization
  • Alt Doc
  • Nonprime
Lending Territory
  • Nationwide
Closing Times
  • 24 Days
Borrower Types
  • Owner Occupied
  • Non-Owner Occupied
  • Vacation Home
Loan Amounts
  • $50K-$1.25M
Max Ltv
  • 85%
Property Types
  • SFR
  • Condos/Townhomes
  • 2-4 Units
  • Mobile Home w/land/Manufactured Homes
  • Land/Lot
  • Non-warrantable Condos
  • 2nd Homes
Loan Terms
  • Up To 30 Years
FICO Requirements
  • 600 and above
  • No Score OK
Case Out Requirements
  • Max LTV 75% (75K to 825K
  • Max LTV 70% (825K to 1.25M)
Lien Position
  • 1st

Who We Are

Marcus Gorham is the best!! He always answers the phone or calls right back, his knowledge of FNBA's products is sharp, and he takes care of business! FNBA is my go to for land lending, but they also have many other products as well. I am constantly looking for opportunities to work with them again. Thank you FNBA and Marcus for an awesome job!! :)

Hayley Shams

I had an amazing experience with First National Bank of America, and Alyssa Bryans and her team. They did an ITIN/Bank Statement loan for me and got the job done in about 3 weeks. Great and responsive communication and highly recommend!

Durrell Cullens

Contact First National Bank of America

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