Non-Conforming Loan Mortgage Lender

Mortgage options for challenged credit.

NASB understands that sometimes things happen. Certain life circumstances – a change in income, job loss, bankruptcy, short sale – can often make it hard to obtain a home loan. That's where seeking a non-conforming loan from NASB could be a solution. 

NASB is one of the nation’s leading home mortgage lenders. We have funded more than $5.0 billion in home loans across the country during the past three years alone. NASB helps individuals with troubled credit or unique income scenarios find the best lending solution for their situation.

Advantages of a Non-Conforming Loan

Non-conforming loans offer advantages and opportunities for buyers that conventional loans don't. Those include:

  • Higher loan limits
  • May be able to qualify for a home loan despite credit issue
  • More flexible underwriting guidelines that may fit your situation  


See if you qualify for a non-conforming loan today!

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.

Non-Conforming Loan Requirements:

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

  • Have at least 1 year of self-employment with the same line of business history
  • Recently change jobs from W-2 to 1099. You may be approved with as little as 6 months 1099 employment
  • 2nd job income two pay stubs, no required minimum history of working two jobs
  • Conforming pricing up to $600,000 loan amounts (Risk base pricing applies)

Not sure where to start? Fill out this form and a loan officer will contact you to discuss your options. We'll provide a free rate quote.

Or you can always schedule an appointment.

First-Time Home Buyer? We want to talk to you!

We get it. The home loan process can be a daunting task.  But don't fear! As an experienced lender, we have a team of experts who are excited to talk to you about your first home purchase.  We strive to provide home buyers with a clear step-by-step process designed to provide the best conventional loan buying experience possible. Learn more about our commitment to first time home buyers.

North American Savings Bank will help guide you through the financial responsibilities of closing costs, what to expect from monthly payments, down payment information and other various financial situations unique to home ownership.  It is recommended to get lender pre-approval for your conventional mortgage loan before you contact a realtor. And download our free eBook for more help for first time home buyers.

99% Customer Recommendation Rating*

Everyone I dealt with was a top notch professional.  It makes me even prouder having served my country, knowing I got this type of excellent treatment.  Thank you NASB and everyone involved.  Someday I would like to meet each and everyone involved in this transaction, you people are what America is made of, thank you again for the smooth transaction.

- John from Indiana


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My loan officer was always available to me, even when I would leave a message he would get back to me promptly. While working with NASB, I felt like he was working for me and not just his company. His team was very helpful in gathering information to complete my loan.

- Tracey from Oregon


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NASB and its staff are awesome. They actually have their act together and can help you navigate through the entire process with ease. This is my 3rd loan through them. I would highly recommend.

- Dale from Maryland

*Based on 2,615 NASB closed loan customer surveys from 1/1/2018 to 5/28/2019