Non-Conforming Loan

We have the experience to help people with unique circumstances or non-traditional incomes finance their dream home with a non-conforming loan.

Check today's rates 

non-conforming-loans

Key Features

Personalized loan criteria

May qualify for a home loan despite a previous credit issue

More flexible underwriting guidelines



Mortgage options for people who don't check all the boxes.

At NASB, we understand that not everyone fits the standard loan mold. That’s why we offer non-conforming mortgage options designed for borrowers with unique income or credit circumstances.

Our non-conforming loans may be an excellent option for:

  • Self-Employed Professionals & Business Owners
  • Real Estate Investors & Investment Property Owners
  • Independent Contractors & Freelancers
  • Gig Workers & Entrepreneurs



Non-Conforming Loan Requirements

You may qualify for a NASB non-conforming home mortgage loan if you:

  • Have at least one year of self-employment within the same line of business history
  • Recently change jobs from W-2 to 1099 (You may be approved with as little as six months 1099 employment)
  • Have income with pay stubs from a second job; no required minimum history of working two jobs
  • Competitive conforming pricing up to $600,000 loan amounts; Above that, risk-based pricing applies
  • $200,000 minimum loan amount
  • Minimum loan amount of $175,000 required to apply*

  • A variety of mortgage payment calculations
  • Learn which loan is better for you
  • Help to make term and loan type decisions
  • Best option for loan exceeding the conforming loan limit
  • May require as little as 10% down payment
  • Choose from a variety of loan programs
  • No tax returns required
  • Borrow up to $1,250,000
  • Great option for self-employed borrowers
  • Use your 1099 instead of tax documents to qualify
  • 700 minimum credit score
  • Great option for self-employed borrowers
What Our Customers Say
Mohit M., May 25, 2021
★★★★★ (5)

"NASB always makes it easy and transparent to work with them. I know upfront what to expect - they're clear in their communication and keep their word. This was my third interaction with them and it's a fantastic experience working with the NASB team."

Nationally competitive products. Individualized service.

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*Minimum loan amount of $175,000 required to apply. Exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas. Contact a NASB Loan Officer for more details on the specific areas and/or zip codes excluded.