First National Bank of America
241 East Saginaw Street, East Lansing, MI 48823
https://fnba.com/wholesale
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Tổng số khoản vay đã hoàn tất với Loan Factory
37
Tổng số khoản vay đã hoàn tất với Loan Factory (12 tháng qua)
17
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Thông tin cơ bản
Conventional
First National Bank of America–ISAOA PO Box 980, East Lansing, MI 48826
First National Bank of America–ISAOA PO Box 980, East Lansing, MI 48826
Chính sách khóa & Phí
Chính sách khóa
60 day lock,
120 day lock for new builds
Automatic 30 day relock
Không
Thị trường ngách & Hạn chế của đơn vị cho vay
Here are the three main loan types we see:
1. ITIN
2. Unique Properties (Vacant Land, Manufactured/mobile homes, barndominiums, non-warrantable condos)
3. 12 month income programs up to 55% DTI
Below are some highlights of our programs and guidelines:
- We finance vacant land, mobile homes, barndominium, home on acreage, non-warrantable condos, etc…
- ITIN (Borrower has a Tax ID Number instead of a Social Security Number. They live & work in the states. They can provide proof of ITIN, 1040 Taxes, and Valid ID [Passport/Consulate card/DL])
- With two borrowers on the same loan, we average the TU score for pricing
- Only need 1 year W2 income or 1 year 1040 self-employment income to qualify.
- Only need 1 year proof of self-employment
- 12 month bank statement loans also apply for our ITIN program
- 12 month P&L – signed off by CPA or Licensed Tax Preparer
- Up to 85% LTV
- No cash out in TX
- No PMI required
- Up to 55% DTI
- We lend in all 50 states
From Submission to CTC, we should be able to close your loans within 30 days!
2. Unique Properties (Vacant Land, Manufactured/mobile homes, barndominiums, non-warrantable condos)
3. 12 month income programs up to 55% DTI
Below are some highlights of our programs and guidelines:
- We finance vacant land, mobile homes, barndominium, home on acreage, non-warrantable condos, etc…
- ITIN (Borrower has a Tax ID Number instead of a Social Security Number. They live & work in the states. They can provide proof of ITIN, 1040 Taxes, and Valid ID [Passport/Consulate card/DL])
- With two borrowers on the same loan, we average the TU score for pricing
- Only need 1 year W2 income or 1 year 1040 self-employment income to qualify.
- Only need 1 year proof of self-employment
- 12 month bank statement loans also apply for our ITIN program
- 12 month P&L – signed off by CPA or Licensed Tax Preparer
- Up to 85% LTV
- No cash out in TX
- No PMI required
- Up to 55% DTI
- We lend in all 50 states
From Submission to CTC, we should be able to close your loans within 30 days!
Our mobile/modular loans must been all real property, inclusive of the mobile home. It must be on deeded land
We do not have a cash out option on homes in TX
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