Helping self-employed borrowers secure financing doesn’t have to be a challenge. At FNBA, we equip you with flexible Non-QM loan options tailored for self-employed clients. Instead of relying on traditional income documentation such as W-2s or full tax returns, our programs allow alternative income verification—including bank statements and 1099s—making qualification

A multi-family property loan that provides flexibility for business purpose borrowers. Ideal for Real Estate Investors or entities looking to invest in multi-family properties for business purposes, aiming to generate rental income and maximize property cash flow. Minimum requirements : Contact Us Today! to learn more and start offering these

The Super Jumbo program is a specialty product for high-net-worth borrowers with solid, stable income and credit and considerable assets for down payment, closing costs and reserves. The collateral must be a prime real estate property within a prime real estate market. Program features Contact Us Today! To learn more

The ITIN or Individual Taxpayer Identification Number program is specially crafted for the borrower who has an ITIN, for purposes of reporting taxes from passive income sources only, and is not employed in the U.S. A traditional U.S. credit report is not required for borrowers without a valid SSN. This

The Foreign National program is specially crafted for international borrowers, offering them a clear path to financing in a foreign landscape. A Foreign National is a non-U.S. citizen authorized to live in the U.S. on a temporary basis but does not meet the definition of a Non-Permanent Resident Alien. To

The Investor DSCR Mixed Use loan program is an investor’s dream come true for mixed-use properties. Here’s why: It grants up to a generous 75% LTV with loan amounts spanning from $250K right up to $3M, making it suitable for a range of investments. Program features Contact Us Today! To

This program is designed for one to four family business purpose loans that offer an elegant blend of flexibility and robust features, catering specifically to the discerning investor. It allows for streamlined income verification through market rent or lease agreements, highlighting its commitment to ease and efficiency. The inclusion of

This one to four family investment property program offers an elegant blend of flexibility and robust features, catering specifically to the highly credit qualified investor for their business purpose loan needs. It allows for streamlined income verification through market rent or lease agreements, highlighting its commitment to ease and efficiency.

The 2nd lien loan program is tailored for those seeking flexible financing solutions. It allows your borrowers to tap into up to 85% CLTV, with loan amounts ranging from $125K to $500K. Whether they’re eyeing a new purchase or considering a cash-out, this program has them covered. It’s versatile, catering

The Flex Select program is a Non-QM loan solution designed with precision and flexibility in mind. With an LTV of up to 90% and a wide loan amount range, it’s suitable for diverse financial scenarios. The program’s core strength lies in its adaptability, whether for owner-occupied residences, second homes or