First National Bank of America (FNBA) Wholesale Mortgage Rates, Through an Independent Broker
Wholesale portfolio and non-QM lender.
Duane Buziak, Mortgage Maestro (NMLS #1110647), has an active wholesale relationship with First National Bank of America (FNBA) and submits files directly into its wholesale channel. This page explains what First National Bank of America (FNBA) is generally known for, who it tends to fit, and how to get a real quote sourced from its current wholesale rate sheet.
Independent broker with wholesale access — Duane is not affiliated with, endorsed by, or an employee of First National Bank of America (FNBA). This page reflects a genuine wholesale relationship Duane originates through directly.
What First National Bank of America (FNBA) Is Known For
- Portfolio lending capacity alongside non-QM programs
- Backed by an established national bank
- A common search for files that need portfolio flexibility
Program Fit & Flexibility
First National Bank of America (FNBA)'s wholesale guidelines generally show a minimum credit score of 600 FICO floor on portfolio/non-QM programs (some no-credit-score options at ≤75% LTV), with down payment requirements of As low as 10% (90% LTV) depending on program. Loan amounts and program range: Portfolio and non-QM loans from $50,000 minimum loan amount. Documentation type: 12-month self-employment/income documentation on select non-QM programs. Minimum credit score, down payment, and DTI thresholds change with the lender's current guidelines — Duane confirms exact numbers against First National Bank of America (FNBA)'s live rate sheet at the time your file is priced, so nothing here is a fixed promise.
First National Bank of America (FNBA) vs. a Typical Wholesale Alternative
| Feature | First National Bank of America (FNBA) | Typical Alternative Wholesale Lender |
|---|---|---|
| Program focus | Portfolio lending capacity alongside non-QM programs | Varies by lender — compare at time of application |
| Credit score flexibility | 600 FICO floor on portfolio/non-QM programs (some no-credit-score options at ≤75% LTV) | Commonly 620 conventional / 580 FHA as a baseline |
| Down payment range | As low as 10% (90% LTV) depending on program | Commonly 3–5% conventional, varies by program |
| Loan amount range | Portfolio and non-QM loans from $50,000 minimum loan amount | Varies by lender and program |
| Documentation type | 12-month self-employment/income documentation on select non-QM programs | Varies by lender and program |
Getting a Real First National Bank of America (FNBA) Quote Through the NoTouch Credit Pull
Duane's NoTouch Credit Pull is a soft-pull pre-approval that shows real, program-specific numbers from First National Bank of America (FNBA)'s wholesale rate sheet without a hard inquiry on your credit.
Start My NoTouch Pre-ApprovalWorked Example
A self-employed borrower with a 680 credit score and 15% down on a $400,000 purchase, qualifying through First National Bank of America (FNBA)'s bank-statement non-QM program instead of standard W-2 documentation. On a $340,000 loan at an illustrative 7.5% wholesale rate, principal and interest runs approximately $2,377/month — before taxes, insurance, or PMI.
APR and payment figures above are illustrative only, not a rate lock, quote, or offer — actual pricing depends on First National Bank of America (FNBA)'s live wholesale rate sheet, credit profile, loan amount, and program at time of application.
Frequently Asked Questions — First National Bank of America (FNBA)
Do I need W-2 income to qualify through First National Bank of America (FNBA)?
No. First National Bank of America (FNBA) is known in the wholesale market for non-QM programs, including bank-statement and asset-based qualification for borrowers who don't fit a standard W-2 file — exact eligibility depends on the borrower's documentation and the current rate sheet.
Does First National Bank of America (FNBA) lend directly to consumers?
No. First National Bank of America (FNBA) funds loans exclusively through independent wholesale brokers, so a broker relationship like Duane's is required to access its wholesale non-QM pricing.
What types of non-QM products does FNBA provide?
FNBA specializes in portfolio and non-QM loans, including 12-month bank statement programs for self-employed borrowers and asset-based alternatives.
What is the minimum loan amount for FNBA non-QM loans?
FNBA portfolio and non-QM loans typically start from a minimum loan amount of $50,000.
Can I qualify for an FNBA loan without an established credit score?
Yes, select portfolio options permit no-credit-score scenarios up to a maximum of 75% LTV depending on full underwriting review.
What is the minimum credit score requirement for standard FNBA portfolio options?
General non-QM and portfolio guidelines start at a 600 FICO floor, varying based on LTV and loan program specifications.
What down payment is needed for an FNBA non-QM loan?
Down payment options go as low as 10% (90% LTV) depending on eligibility, documentation type, and credit profile.
How does Duane's soft credit pull work for FNBA pricing?
The NoTouch Credit Pull accesses FNBA's live wholesale pricing tables using a soft inquiry, protecting your credit score while getting accurate estimates.
Are self-employed borrowers eligible for bank statement qualification?
Yes, 12-month income documentation options allow self-employed individuals to qualify using business or personal bank statements.
Is FNBA a bank or a private mortgage company?
First National Bank of America is an established national bank that operates a specialized wholesale portfolio lending division.
Why submit an FNBA file through an independent broker?
An independent broker like Duane manages file submission directly into FNBA's wholesale desk while comparing rates across competing non-QM channels.
How quickly can Duane price my loan with FNBA?
Duane prices your file directly against FNBA's active wholesale rate sheet immediately following your soft pre-approval submission.
How can I compare an existing non-QM offer with FNBA's rates?
Submit your current loan estimate through the "Dare to Compare" tool to evaluate pricing against FNBA and other wholesale portfolio options.
Compare First National Bank of America (FNBA) Against the Rest of the Wholesale Market
Already have a quote? Bring it — Duane runs it head-to-head against First National Bank of America (FNBA) and every other lender in the directory.
Bring My Quote — Dare to Compare