Bank of America Review for Home Purchase Options Without PMI

The research in brief

Bank of America is a mixed fit for a buyer putting less than 20% down who wants to avoid monthly PMI. Four of seven platforms named it during the ranking stage (57.1% of included platform responses), at an average listed rank of 3.25 and a best rank of 3. Its strongest asset is the Affordable Loan Solution® mortgage, advertised as a 3% down purchase loan with no mortgage insurance ^[8]. The main limitation is eligibility: income caps, loan limits, primary-residence rules, and a 660 minimum FICO restrict who can use it ^[22]. Public pricing is not disclosed, so buyers cannot confirm the no-PMI rate beats a conventional PMI loan without a Loan Estimate.

Research Snapshot

Why Bank of America Qualified for This Study

Questions explored

• Is Bank of America a good choice for PMI avoidance purchase financing when the buyer puts less than 20% down?
• How many AI platforms recommended Bank of America for no-PMI purchase financing, and where did it rank?

Bank of America qualified because it markets a named, low-down-payment purchase product that explicitly addresses the buyer's objective: avoiding monthly private mortgage insurance. Four of the seven included platforms named Bank of America during ranking discovery — DeepSeek, Gemini, Kimi, and ChatGPT — placing it at ranks 3, 3, 3, and 4 respectively, for an average listed rank of 3.25 and a best rank of 3. That is a 57.1% share of included platform responses, above the study's two-mention minimum.

The qualification rests on a specific product rather than general brand size. Bank of America's current Affordable Loan Solution page advertises a 3% down payment with no mortgage insurance, with income and loan limits that vary by location and other restrictions ^[8]. Independent coverage describes the same structure: 3% down with no PMI requirement, positioned as an alternative to FHA loans ^[22]. Bank of America also lists VA, FHA, and jumbo mortgage categories, giving it more than one potential no-mortgage-insurance path ^[11].

The platform fit ratings were not unanimous. Deepseek rated Bank of America a "strong" fit, Claude, Gemini, and Perplexity rated it "good," and Grok, Kimi, and ChatGPT rated it "mixed." That spread is itself a finding: the product exists and is well documented, but its accessibility and cost transparency are contested.

The mortgage offering in focus

Questions explored

• Which Bank of America loan program should a buyer with 3% down use to avoid PMI on a purchase?
• Does Bank of America's Affordable Loan Solution really have no mortgage insurance, or is the cost built into the rate?

The relevant product is the Affordable Loan Solution® mortgage, a 3% down purchase loan that Bank of America describes as having no mortgage insurance ^[8]. Independent sources describe the same program as a 3% down conventional-style mortgage with no PMI requirement, available as an alternative to FHA financing ^[22].

The mechanism matters for a PMI-avoidance buyer. According to independent reporting, the no-insurance structure exists because Self-Help Ventures Fund assumes a first-loss position on loans originated with Bank of America, and Freddie Mac purchases eligible mortgages ^[35]. Google's platform response described the same arrangement, attributing the PMI waiver to Self-Help Credit Union holding first-loss default risk ^[21]. If accurate, this is a genuine waiver rather than a rate-for-PMI swap — but it is platform-reported and should be confirmed in writing.

Bank of America's own materials are not perfectly consistent. A current product page and the bank's mortgage calculator describe the program as a 3% down, no-mortgage-insurance mortgage ^[8]. An older Bank of America financing guide describes Affordable Loan Solution as a 3% down product with reduced-cost mortgage insurance ^[3]. A Bank of America CRA performance evaluation describes it as a proprietary conventional mortgage with as little as 3% down and no mortgage-insurance requirement ^[1]. Grok's platform response flagged the same conflict, noting that a dedicated product page stated mortgage insurance was required while calculator and review pages described it as no-MI ^[8].

Secondary no-PMI paths exist but serve narrower populations. Bank of America lists VA loans, which do not require PMI for eligible veterans and service members ^[30]. Bank of America also advertises lower-down-payment options with no mortgage insurance for qualified borrowers on owner-occupied properties with loan amounts up to $2 million ^[4]. Jumbo loans generally do not carry PMI because PMI is not available on non-conforming loans ^[18].

What the AI Platforms Agreed About

Questions explored

• What do AI platforms agree Bank of America offers for buyers who want to avoid PMI with less than 20% down?
• Is Bank of America's no-PMI product available nationwide, or only in certain areas?

Four points drew broad agreement across the platform responses.

First, the Affordable Loan Solution exists and is marketed with a 3% down payment. Bank of America's own page supports this ^[8], and independent reviews repeat it ^[24].

Second, the program is income- and location-restricted. Independent sources state the maximum household income is 100% of area median income, with a 43% debt-to-income ceiling and a 660 minimum FICO ^[22]. Google's response cited a 660 credit score, primary-residence requirement, and household income below area median income ^[48]. Deepseek's response described income limits at 80% area median income or no limit in low-to-moderate-income tracts, plus a 640 minimum credit score ^[38]. Those two income thresholds conflict and are not reconciled in the supplied evidence.

Third, the program is not universally available despite national marketing. One independent source states the Community Affordable Loan Solution variant is limited to qualifying neighborhoods ^[47], while another states Affordable Loan Solution is available in all 50 states ^[28]. Both can be true if the base program is national and the zero-down community variant is not.

Fourth, Bank of America does not publish borrower-specific pricing for the no-PMI option. Every platform that addressed pricing rated confidence low or moderate, and none produced a published rate, APR, or points schedule for Affordable Loan Solution.

Where the AI Platforms Disagreed or Were Uncertain

Questions explored

• Does Bank of America currently offer a piggyback second mortgage or lender-paid PMI for buyers avoiding PMI?
• Why do AI platforms disagree about whether Bank of America's Affordable Loan Solution requires mortgage insurance?

Five unresolved issues separate the platform responses.

Whether mortgage insurance is required at all. Grok reported that the dedicated Affordable Loan Solution page states mortgage insurance is required, conflicting with calculator and review pages ^[8]. Openai flagged the same conflict between the current product page and an older Bank of America guide ^[3]. This is a documentation conflict, not a settled fact.

Piggyback second-mortgage availability. The CFPB describes piggyback second mortgages as a structure that can let a borrower with less than 20% down avoid PMI ^[12]. SEC filings show Bank of America and Countrywide originated piggyback loans from at least 2006 through 2013 ^[46]. No platform found current 2026 marketing for an 80/10/10 or comparable structure. Perplexity noted that for loan-to-value above 95%, any secondary financing must come from an approved Community Second Program ^[5], which constrains rather than confirms an open piggyback option.

Lender-paid mortgage insurance. Deepseek reported that Bank of America's general website mentions LPMI as a potential option without disclosing rates or terms ^[45]. Anthropic found no evidence Bank of America explicitly offers LPMI ^[24]. Kimi reported the same absence ^[7]. Google's response went further, stating that conventional Bank of America loans under 20% down require PMI with borrower-paid, lender-paid, or single-premium structures available ^[43]. That claim is platform-reported and conflicts with the other three.

Income thresholds. Anthropic reported a 100% area median income cap ^[22]; DeepSeek reported 80% area median income or no limit in low-to-moderate-income tracts ^[38]; Kimi reported 80% area median income or low-to-moderate-income census tract qualification ^[8]. These are materially different eligibility bars.

Community Affordable Loan Solution status. Google described a zero-down, no-PMI Special Purpose Credit Program in designated neighborhoods ^[26]. Anthropic noted the program was announced in 2023 for select neighborhoods and that current 2026 availability is unconfirmed ^[47]. No platform verified it is still open.

Mortgage features for this borrowing need

Questions explored

• What features does Bank of America's Affordable Loan Solution offer a buyer who wants to avoid PMI with 3% down?
• Can a Bank of America no-PMI loan be combined with down payment or closing cost assistance?

The features most relevant to a PMI-avoidance purchase are the down payment floor, the insurance treatment, the eligible property and occupancy rules, and the assistance programs that can offset cash needs.

Two capability notes deserve emphasis. First, the no-PMI feature is tied to a specific program, not to Bank of America conventional lending generally. Conventional loans with less than 20% down typically require mortgage insurance ^[16], and Bank of America's own older guide acknowledges that conventional loans may require mortgage insurance below 20% down ^[3]. Second, the assistance programs are geographically and income limited; grant availability depends on product and market ^[5].

Rates, fees, and ongoing costs

Questions explored

• How much does Bank of America's no-PMI mortgage cost per month, and what fees apply?
• Is Bank of America's no-PMI loan cheaper than a conventional loan with PMI over ten years?

No reliable public, borrower-specific price exists for the Affordable Loan Solution. Every platform that assessed pricing rated confidence low or moderate, and none produced a published rate, APR, points schedule, or fee table.

What is documented:

• A down payment of at least 3% for the advertised structure, subject to eligibility ^[8].
• Interest and principal under the quoted mortgage rate.
• Standard purchase closing costs and lender charges, with exact amounts unclear from reviewed pages.
• A possible rate or pricing premium associated with avoiding monthly PMI; the amount is not publicly standardized.
• America's Home Grant up to $7,500 for nonrecurring closing costs for qualified borrowers ^[28].
• Down payment assistance up to 3% of purchase price or $10,000 in select markets, generally not requiring repayment ^[5].
• A possible origination-fee reduction for eligible Bank of America Preferred Rewards customers, with amount and eligibility to be confirmed.
• VA funding fees of roughly 1.25% to 3.6% of the loan amount depending on service branch and prior usage, which can be financed.

The economic tradeoff is the core question, and the supplied evidence does not answer it. The CFPB explains that less-than-20%-down conventional loans may require PMI and that no-PMI loans may instead carry a higher interest rate, with the cheaper option depending on circumstances and expected holding period ^[13]. Independent sources note Affordable Loan Solution typically carries a higher interest rate than standard conventional mortgages ^[33]. One independent estimate claims the program could save a borrower over $100 monthly on a $150,000 loan compared with a similar FHA loan, but that figure is partial-support and not specific to Bank of America pricing ^[20].

For context on what PMI costs when it does apply: PMI typically runs 0.5% to 1% of the loan amount annually, and over ten years on a $400,000 loan PMI can exceed $27,000 ^[36]. On many conventional mortgages, borrowers may request PMI cancellation at 80% of original value subject to conditions, with automatic termination rules also applying ^[15]. Lender-paid mortgage insurance has different rules and generally cannot be canceled without refinancing ^[45].

Contract terms: the reviewed materials do not state a fixed contract term unique to Affordable Loan Solution, and the buyer should confirm whether the offer is fixed-rate and which terms are available. No documented prepayment penalties were found. If the loan genuinely has no mortgage insurance, no PMI cancellation process applies — but the buyer should verify whether any lender-paid or reduced-cost insurance is embedded in pricing.

Best Suited For

Questions explored

• Who is Bank of America's Affordable Loan Solution actually designed for?
• Is Bank of America a good fit for a first-time buyer with modest income and a 660 credit score?

Bank of America is best suited to buyers who fit inside the Affordable Loan Solution's eligibility box rather than to the general sub-20%-down population.

• Eligible first-time or modest-income buyers seeking a 3% down conventional-style mortgage without a separate monthly PMI charge ^[8].
• Buyers whose household income falls under the program's area median income threshold and whose property is in an eligible location ^[22].
• Borrowers with a credit score at or above the program minimum, reported as 660 by independent sources ^[22].
• Qualified veterans and active-duty service members comparing a VA purchase loan with conventional alternatives ^[30].
• Eligible borrowers purchasing higher-priced owner-occupied homes who can qualify for a jumbo structure with no mortgage insurance ^[4].
• Buyers who want Bank of America to compare its no-PMI option against a standard PMI loan using formal Loan Estimates.
• Existing Bank of America customers who may qualify for relationship-based origination-fee reductions ^[7].

Probably Not Best Suited For

Questions explored

• Who should not choose Bank of America for PMI avoidance purchase financing?
• Is Bank of America a poor fit for a buyer whose income exceeds the Affordable Loan Solution limits?

Several buyer profiles are poorly matched to this lender for this specific use case.

• Borrowers who exceed Affordable Loan Solution income or loan limits.
• Borrowers with credit scores below the program minimum who could qualify for FHA at 580 ^[20].
• Buyers seeking a broadly available piggyback second mortgage, because Bank of America's reviewed public materials do not confirm a current 80/10/10 or similar product.
• Buyers who want lender-paid mortgage insurance with a disclosed rate bump, since no platform confirmed a current Bank of America LPMI product ^[24].
• Buyers prioritizing the lowest total long-term cost without first obtaining rate, points, closing-cost, and PMI comparisons.
• Buyers who need broad property-type flexibility or non-primary-residence financing.
• Buyers who need flexible qualification outside Bank of America's program and underwriting criteria.
• Self-employed or non-traditional income borrowers who may not meet Affordable Loan Solution income documentation requirements.

When Another Option May Be Better

Questions explored

• What is a better alternative to Bank of America for a buyer who needs a piggyback second loan to avoid PMI?
• When should a buyer choose a conventional PMI loan or FHA instead of Bank of America's no-PMI program?

The supplied platform responses identify several situations where a different lender or structure is the better comparison.

When another lender prices the no-PMI structure lower. If a different lender offers a materially lower no-PMI rate after comparing APR, points, lender credits, and closing costs, that lender wins on economics.

When a conventional PMI loan is cheaper overall. If a conventional PMI loan has a lower total cost over the buyer's expected holding period and PMI can be canceled under applicable rules, the PMI route may be preferable ^[15].

When the buyer needs a piggyback structure. Buyers who want an 80/10/10 or similar second-lien structure should review lenders that explicitly offer it, since Bank of America's current marketing does not highlight one. Piggyback loans involve a second, higher-rate loan and two monthly payments ^[36].

When the buyer wants disclosed lender-paid PMI. Buyers seeking LPMI with a visible rate tradeoff should compare lenders that advertise it specifically; one source describes a typical rate increase of roughly 0.25% ^[17].

When income exceeds the program cap. Buyers above the area median income threshold and outside a qualifying tract should compare a standard conventional loan with PMI, FHA, or another lender's no-PMI conventional program.

When the buyer qualifies for VA and another lender prices it better. VA-eligible buyers should compare VA pricing, fees, and underwriting execution across lenders.

When the buyer plans to refinance soon. A standard PMI loan may carry lower upfront costs than a no-PMI product with a rate adjustment if the buyer expects to refinance within a few years.

When the loan amount is very large. One platform noted Bank of America's jumbo limit at $2 million for owner-occupied primary residences, with higher limits available elsewhere.

Questions to ask before choosing a lender

Questions explored

• What should a buyer confirm with Bank of America before signing for a no-PMI mortgage?
• How can a buyer verify whether Bank of America's Affordable Loan Solution truly has no mortgage insurance?

The platform responses converged on a verification list. These are the questions to put to a loan officer in writing before committing.

1. Is the quoted Affordable Loan Solution loan genuinely free of borrower-paid, lender-paid, and financed mortgage insurance, or is an insurance cost embedded in the rate or fees ?
2. What are the note rate, APR, points, lender credits, monthly payment, and total projected interest ?
3. What would the rate, APR, PMI amount, and total cost be for an otherwise identical conventional loan with borrower-paid PMI ?
4. What are the income, loan-size, credit-score, debt-to-income, reserve, occupancy, property-type, and geographic requirements ?
5. Is the product fixed-rate, and what loan terms are available ?
6. Does Bank of America offer an 80/10/10 or other piggyback structure for this purchase, and what are the second-loan rate, payment, fees, and repayment terms ?
7. For a jumbo loan, what down payment, reserves, loan amount, occupancy, and mortgage-insurance rules apply ?
8. For a VA loan, what funding fee, lender fees, residual-income requirements, and rate are applicable ?
9. Which fees are refundable or nonrefundable if the purchase does not close ?
10. Can the lender provide written Loan Estimates for the no-PMI option and at least one PMI alternative ?
11. Does the buyer's household income fall under the maximum limit for the program in the target ZIP code ?
12. Is the property address inside an eligible census tract if the buyer is pursuing the zero-down community variant ?
13. What is the timeline and cost of any mandatory homebuyer education or counseling ?
14. Can the buyer refinance out of the program later without penalty ?

The consensus assessment

Bank of America is a mixed fit for PMI avoidance purchase financing. The consensus position across the seven platform responses is that the Affordable Loan Solution is a real, documented 3% down product marketed with no mortgage insurance, and that it directly addresses the buyer's objective — but that eligibility restrictions, absent public pricing, and unresolved questions about piggyback and lender-paid alternatives make it unsuitable to select without side-by-side Loan Estimates.

The fit ratings split: one platform rated it strong, three rated it good, and three rated it mixed. That distribution reflects the evidence rather than contradicting it. The product exists and is well documented by both the lender and independent sources. What is not documented is whether the no-PMI structure costs the borrower less than a conventional loan with cancellable PMI over a realistic holding period.

Three findings should shape the buyer's next step. First, the no-PMI feature is program-specific, not a general Bank of America conventional lending feature. Second, the income threshold is reported inconsistently across sources — 100% of area median income in one, 80% or low-to-moderate-income tract in others — so eligibility must be confirmed for the specific county. Third, the documentation conflict between a current no-MI product page and an older reduced-cost-MI guide is unresolved in the supplied evidence and should be settled in writing before application.

For buyers who fit the program, Bank of America is a legitimate contender worth pricing. For buyers outside the income, credit, occupancy, or geographic parameters, the no-PMI benefit does not apply, and the comparison shifts to conventional PMI, FHA, VA, or another lender's no-PMI program. The broader PMI avoidance purchase financing consensus index covers how other lenders scored on the same criteria.

Buyers comparing this lender against the wider field can also review the home purchase mortgage lenders category directory for the full set of evaluated providers.

How This Review Was Produced

This review was produced from a structured multi-platform research run dated 2026-09-29. Seven AI platforms evaluated Bank of America for the specific use case of PMI avoidance purchase financing: Claude, DeepSeek, Gemini, Grok, Kimi, ChatGPT, and Perplexity. Each platform returned a fit rating, a direct answer, strengths, limitations, use-case findings, pricing and terms, and a verification checklist.

Ranking statistics reflect the discovery stage, in which four of the seven platforms named Bank of America: DeepSeek at rank 3, Gemini at rank 3, Kimi at rank 3, and ChatGPT at rank 4. The remaining three platforms evaluated fit without naming the entity during ranking discovery, so they are excluded from the mention count but included in the fit-rating distribution.

All platform responses carried a verification status of platform-reported and not independently verified. The supplied URLs were collected from platform responses and were not independently validated at the writing stage. Citations in this article are platform-reported evidence, not independently confirmed facts. Where a claim rests on a single platform without corroboration, it is labeled as platform-reported in the text.

Research limitations

Several limitations constrain how much weight this review can carry.

Pricing is absent. No platform produced a published rate, APR, points schedule, or fee table for the Affordable Loan Solution. Every pricing assessment was rated low or moderate confidence. The central economic question — whether avoiding PMI costs less than paying it — cannot be answered from the supplied evidence.

Documentation conflicts are unresolved. Bank of America's current product page and calculator describe no mortgage insurance, while an older Bank of America guide describes reduced-cost mortgage insurance ^[8]. Grok reported the same conflict from a different page set ^[8]. This review does not resolve the conflict and does not treat either version as settled.

Eligibility thresholds conflict. Income caps are reported as 100% of area median income by one source and 80% of area median income or low-to-moderate-income tract by others ^[22]. Credit minimums are reported as 660 and 640 ^[22]. Buyers must confirm both for their specific county.

Piggyback and LPMI availability is unverified. Historical SEC filings confirm Bank of America originated piggyback loans from 2006 through 2013 ^[46], but no platform found current 2026 marketing for such a product. LPMI availability is similarly unconfirmed, with one platform reporting a general website mention and three reporting no evidence ^[45].

Community program status is unconfirmed. The zero-down Community Affordable Loan Solution was described by one platform as active in designated neighborhoods ^[26] and by another as announced in 2023 with current availability unconfirmed ^[47].

Platform agreement is not quality evidence. That multiple platforms named Bank of America does not establish that its no-PMI product is competitively priced or better than alternatives. It establishes that the product is discoverable and documented.

No independent verification was performed. No platform conducted personal testing, obtained borrower-specific quotes, or independently verified the supplied URLs. All findings are platform-reported.

Sources

Company-Owned Sources

1. Community Reinvestment Act Performance Evaluation: https://info.bankofamerica.com/content/dam/consumer-info/en/consumer/cra/cra-performance-evaluation_alttext.pdf
2. Cindy Guo - Enterprise Lending Officer: https://mortgage.bankofamerica.com/cindy-guo?p=real-estate-professionals
3. Your Guide to Home Financing: https://promotions.bankofamerica.com/content/dam/consumer-marketing/ecs/home-loans-builderdivision/BRO-02-22-0477_A_r_ADA.pdf
4. Loan Products to Meet your Buyers' Needs | Bank of America: https://promotions.bankofamerica.com/en/home-loans/real-estate-builder-division/home-loan-products
5. Mortgage Down Payment Center: https://promotions.bankofamerica.com/homeloans/downpaymentcenter
6. Bank of America Mortgage Options Guide: https://www.bankofamerica.com/
7. Mortgage Loans & Home Loan Options | Bank of America: https://www.bankofamerica.com/mortgage/
8. Low Down Payment Mortgage for First-time Homebuyers: https://www.bankofamerica.com/mortgage/affordable-loan-solution-mortgage/
9. Home Mortgage Loans from Bank of America: https://www.bankofamerica.com/mortgage/home-mortgage/
10. Mortgage Calculator: https://www.bankofamerica.com/mortgage/mortgage-calculator/
11. Neighborhood Lending: https://www.bankofamerica.com/mortgage/neighborhood-lending/
12. What is a piggyback second mortgage?: https://www.consumerfinance.gov/ask-cfpb/what-is-a-piggyback-second-mortgage-en-1955/
13. What is private mortgage insurance?: https://www.consumerfinance.gov/ask-cfpb/what-is-private-mortgage-insurance-en-122/
14. What kind of down payment do I need?: https://www.consumerfinance.gov/ask-cfpb/what-kind-of-down-payment-do-i-need-how-does-the-amount-of-down-payment-i-make-affect-the-terms-of-my-mortgage-loan-en/
15. When can I remove private mortgage insurance from my loan?: https://www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en/
16. Conventional loans: https://www.consumerfinance.gov/owning-a-home/conventional-loans/
17. What Is PMI & How to Avoid It? | SoFi: https://www.sofi.com/learn/content/how-to-avoid-pmi-on-a-new-home/

Independent Sources

18. Jumbo Loan Guide 2026 | HonestCasa: https://honestcasa.com/blog/jumbo-loan-guide-2026
19. Jumbo Mortgage Rates 2026: As Low as 6.62% — Best Lenders Compared: https://mortgage-info.com/blog/jumbo-mortgage-rates-2026-best-lenders-guide
20. Avoid PMI Without 20% Down | Guide current_year: https://mymortgageinsider.com/three-percent-down-no-mortgage-insurance-loan/
21. SmartAsset: Affordable Loan Solution Mortgage Guide: https://smartasset.com
22. All About the Affordable Loan Solution Mortgage: https://smartasset.com/mortgage/all-about-the-affordable-loan-solution-mortgage
23. Bank of America Mortgage Rates | See This Week's Rates | SmartAsset.com: https://smartasset.com/mortgage/bank-of-america-mortgage-rates
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25. The Credit People: CALS Review: https://thecreditpeople.com
26. The Mortgage Reports: Zero Down Mortgage Programs: https://themortgagereports.com
27. How much is PMI?: https://themortgagereports.com/17861/private-mortgage-insurance-avoid-pmi-mortgage-rates
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30. Bank of America mortgage review 2026: https://www.cnbc.com/select/bank-of-america-mortgage-review/
31. Consumer Action: Affordable Housing Program News: https://www.consumer-action.org
32. FreeandClear: BofA Affordable Loan Solution Program: https://www.freeandclear.com
33. Bank of America Affordable Loan Solution Pros and Cons: https://www.freeandclear.com/resources/mortgage-insights/bank-of-america-affordable-loan-solution-pros-cons
34. HousingWire: BofA 3% Down No PMI Mortgage: https://www.housingwire.com
35. Bank of America doubles down on 3% down mortgages without insurance: https://www.housingwire.com/articles/38336-bank-of-america-doubles-down-on-3-down-mortgages-without-insurance/
36. The Secret to Avoiding PMI and 20% Down? A Piggyback Loan: https://www.investopedia.com/avoid-pmi-and-20-down-with-a-piggyback-loan-8732892
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43. Bank of America Mortgage Requirements: https://www.pandaremit.com
44. Reddit Real Estate Community Discussion: https://www.reddit.com
45. How to avoid PMI on a mortgage loan: Your options explained | Rocket Mortgage: https://www.rocketmortgage.com/learn/avoid-PMI
46. BANK OF AMERICA CORP /DE/ - Form 10-Q - FY2014: https://www.sec.gov/Archives/edgar/data/0000070858/000007085814000139/bac9302014ex99.htm
47. What Is Bank of America's Community Affordable Loan Solution?: https://www.thecreditpeople.com/loans/what-is-bank-of-americas-community-affordable-loan-solution
48. Urban Institute: BofA Affordable Loan Solution: https://www.urban.org