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Non-Conforming Loans

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Having trouble getting a home loan? Let us help.

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North American Savings Bank (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.

North American Savings Bank 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. You may qualify for a NASB non-conforming home mortgage loan if you:

  • Have a credit score below 640
  • Completed a short sale 1 day ago
  • Recently filed for bankruptcy
  • Own more than five properties with mortgage loans, and would like to purchases more properties
  • Have substantial investment assets or savings with little or no monthly income

Talk to one of our Loan Consultants to learn more or to discuss your options about our non-conforming loan lending product. Please visit our Jumbo Loans product page if you are interested in learning more about the jumbo loan lending process.

Don't let credit problems or a short sale keep you from owning a home.

FAQs

Can I apply for a mortgage after a short sale?

Yes! Some lenders will make you wait years to qualify again, but not us. If you have experienced a short sale, then you may still qualify for a NASB home mortgage loan the very next day.

Short Sale Waiting Periodnon conforming loans short sale

 

I filed for bankruptcy. How long must I wait before filing a mortgage application?

Depending on your circumstance, the waiting period of the application process for a mortgage loan after bankruptcy is generally long, and time varies. With NASB, the wait is much shorter – sometimes as little as one day!

My income is difficult to document. How can I obtain a home mortgage?

Many prospective home buyers or home owners are not able to qualify for a mortgage due to certain circumstances or changes in their income. Maybe you have had a recent job change, a shift from a scheduled wage earner to a 1099 (contractor), or a situation in which past bonus or commission income cannot be counted toward your income. Maybe you’re living on assets but have no regular monthly income. Whatever the reason, NASB offers flexible underwriting solutions to help you obtain a home mortgage as quickly as possible.

Do you offer mortgage solutions for people with low credit?

Getting a home mortgage with a low credit score can be tough but it’s not impossible. In fact, even people less than desirable credit may still qualify for a NASB home mortgage loan. Talk with one of our experienced and professional Loan Consultants to discuss your options.

Find Out in Minutes if You Qualify

North American Savings Bank offers great rates on safe and affordable loan products. Our customers consistently give us great reviews, and we look forward to speaking with you. Call, click or stop by today to find out more information on our non-conforming loans.

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Let us help you find the right loan for your mortgage needs.