Agent Resource Center

National Builder Division

  • The Home Loan Navigator

Specialized support for you and your buyers.
Experience the benefits of working with us.

It's easier to grow your business when you have the right tools, resources and support. That's where Bank of America can help. Our National Builder Division is a dedicated leadership team with a network of mortgage specialists who are focused on new construction lending. Here are some of the ways we can support you and your homebuyers every step of the way.

The National Builder Division team offers:

A network of mortgage specialists who will work closely with your homebuyers from application to closing and keep you informed every step of the way

A "PRO" team (our Project Review Office) Our Project Review Office that makes condo approvals easier

Expertise in working with high-quality professional appraisers who are experienced in new construction appraisals and can provide competitively priced appraisals for your clients


Resources that can support your business and help your homebuyer:

Learn the

Our online Home Loan Guide can help clarify the home buying process from beginning to end.

Look for down
payment help

Your clients can use the Down Payment Resource Center to help make buying a home more affordable.

Build financial

Your buyers can visit Better Money Habits™ to get free, unbiased information in a simple, conversational format.

Work with a
local partner

Our Neighborhood Lending team offers community partnerships, first-time homebuyer education and more.

1Available for fixed-rate purchase loans with terms of 25 or 30 years and on primary residences only. Certain property types are ineligible. Borrower(s) must not have an individual or joint ownership interest in any other residential property at time of closing. Maximum purchase loan-to-value is 97% and maximum combined purchase loan-to-value is 103%. For loan-to-values >95%, any secondary financing must be from an approved Community Second Program; ask for details. Homebuyer education may be required. Restrictions apply regarding co-borrowers. Maximum income and loan amount limits apply.

2Minimum credit scores apply. Monthly mortgage insurance premiums (MIP) and Upfront Mortgage Insurance Premiums (UFMIP) apply. Maximum loan amount varies by county.

3VA loans require a VA funding fee at closing. The fee is higher with a zero down payment, and maximum loan limits vary by county. If a down payment of 5% or more is made, the fee is reduced. The VA funding fee is non-refundable.

4For jumbo loan amounts used to purchase a single family residence on a loan amount of less than $1 million, borrower must provide documentation totaling a minimum reserve of 6 months of principal, interest, taxes, homeowners/hazard insurance and assessments (homeowner’s association fees/ dues/special assessments) — ("PITIA") related to subject loan/property. For loan amounts greater than $1 million and up to $2 million, documentation totaling a minimum reserve of 12 months of PITIA is required. Interest-only payment option, property and/or occupancy type may require a higher level of reserves, please ask for details. For loan amounts greater than $2 million and less than or equal to $3 million, borrower must provide documentation of reserves totaling a minimum of 24 months of PITIA. For loan amounts greater than $3 million, the same reserves are required and must be held in a Bank of America and/or its affiliates (Merrill Lynch and/or U.S. Trust) account. Two separate full appraisals are required. Excellent credit required, including proof of recent consistent mortgage payment history. Loan to value and property type restrictions apply, ask for details. Not available on all loan programs. Other restrictions apply.

5Minimum down payment requirements vary by property type and location; ask for details. An applicant must have, or open prior to closing, a checking or savings account with Bank of America. Applicants with an existing account with Merrill Edge®, Merrill Lynch® or U.S. Trust prior to application also satisfy this requirement. Medical professional (MD, DDS, DMD, OD, DPM, DO, residents, and students whose employment begins within 60 days of closing) must be actively practicing in their field of expertise. Those employed in research or as professors are not eligible. For qualified borrowers with excellent credit. PITIA (Principal, Interest, Taxes, Insurance, Assessments) reserves of 4-6 months are required, depending on loan amount.














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