Home Buying Advantage

Get a jump on your home buying and lock your rate with RateSecure

Buying a home can be stressful and competitive. You finally find the home of your dreams and it can take a while to get approved for a loan. In the meantime, another buyer comes along and swoops it out from under you. 

With NASB’s Home Buying Advantage program, we will fully credit underwrite your loan upfront – this way, your loan is nearly complete as soon as you find "the one!"  Plus, we'll provide you a No-Cost, Zero Obligation Commitment Letter indicating to sellers that you have a commitment to be financed and can close quickly.

And with Home Buying Advantage, you can also take advantage of RateSecureTMthat allows you to lock into a low rate for up to 90 days. If rates go up before you find the home of your dreams, you’re protected. But, if rates go down by the time you have a contract on a home, request a rate adjustment with your loan officer and your rate drops*. How's that for a win-win?

Our Home Buying Advantage lets you go beyond seller expectations with:

  • A HEAD START on the buying journey!
    Know how much you qualify to borrow, assemble your loan documents, and feel confident in your home search. Start the underwriting process early so that you can have a quick turnaround as soon as you find the home you want.
  • A SERIOUS ADVANTAGE over other buyers!
    Sellers will find this appealing because you’ll essentially be 75% through the loan process before you even make an offer. Become a more attractive buyer by going beyond the pre-qualification or pre-approval letter to include underwriting.

  • The opportunity to CLOSE FASTER!
    Take the stress out of your home buying journey by getting through the loan application checklist early. Because underwriters will have already reviewed your loan file, you’ll be able to close faster than someone with a more generic pre-qualification.

  • LOCK IN YOUR RATE for up to 90 days*!
    You may also qualify to use NASBs exclusive RateSecureTM as part of your Home Buying Advantage program, so you can lock into a low rate while you look for a house. If the rate goes down during this period, you can request a rate adjustment with your loan officer*, and if the rate goes up, your rate stays the same!  

Schedule a call today and get an edge on the home-buying process

With Home Buying Advantage, you gain a competitive edge with other buyers and save time when it's closing time on your dream house. And when combined with RateSecureTM, your low rate is locked up for 90 days*. 


Fill out the form on the right and schedule a call with a NASB representative. Find out how you can save time, money and stress to get into the house you want, fast!

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By clicking the Submit button you agree that you are providing an electronic signature expressly authorizing NASB to contact you by telephone at any of the telephone number(s) provided above using an automatic telephone dialing system or an artificial or prerecorded voice or via text/SMS message, even if the telephone number is assigned to a cellular telephone service or other service for which the called party is charged. NASB may also contact you via email using any email address you provided. This authorization overrides any previous registration on a federal, state or corporate Do Not Call Registry or any internal NASB privacy or solicitation preference you have previously expressed. You are not required to provide this authorization as a condition of purchasing any property, goods or services from NASB. As an alternative, you may call us directly at (866) 627-7119 and we will process your request over the phone.

*The locked terms are based upon loan request details provided by the Applicant(s). RateSecureTM is available for conventional conforming, FHA and VA fixed-rate loans only. It is not available for non-conforming products. Once locked, Applicant(s) are protected from any subsequent changes in market interest rates. Increases in market interest rates will have no effect on your locked terms. If rates have declined, applicants may request a rate reduction within 3 days of signing a purchase agreement. The new rate will be the current market rate (par) based on the consumer’s existing credit & other underwriting criteria.