Home Loan Solutions for Self-Employed Workers

No Tax Return or W2? No Problem - Smart options for self-employed borrowers
Multiple Loan Options - Bank Statement, 1099, DSCR, Jumbo, and custom portfolio loans.
Flexible Underwriting - Our in-house team simplifies the process from start to finish.
$175,000 minimum loan amount/700 minimum credit score¹

NASB is a national leader in the Non-QM lending space. Our experienced loan officers are ready to help you compare options.

888-661-1963

Struggling to Qualify for a Traditional Mortgage?

If you're self-employed or own a business, a bank statement loan from NASB could provide the flexibility you need – but those aren’t your only options. We’ll take the time to understand your income sources, goals, and challenges to match you with the right loan product, whether that’s a Bank Statement Loan, 1099 Loan, DSCR Loan, or another custom portfolio product.

Our bank statement loan can be an excellent fit for:

Self-employed Professionals
Independent Contractors
Business Owners
Realtors
Consultants

Freelancers
Entrepreneurs
Gig Workers
Truck Drivers
Healthcare Workers

Can’t Find What You Need?

NASB offers additional non-QM loan products that may better suit your unique situation. Speak with one of our knowledgeable loan officers to discuss your unique circumstances and explore the mortgage solutions that best suit your needs.

888-661-1963

Loan Type²	Who is it for?	Min. Credit Score	Min. Loan Amount	Min. Down Payment
Bank Statement Loan	Small business owners	700	$175,000	10% with mortgage insurance*
1099 Loan	Self-employed individuals	700	$175,000	20%*
DSCR Loan	Real estate investors	700	$175,000	25%
Asset Depletion Loan	Borrowers using liquid assets to qualify	700	$175,000	20%*
Jumbo Loan	Borrowers with home purchases above the conforming limit	720	$805,501	20%
Credit Event Loan	Helps individuals get a mortgage after credit event like bankruptcy	620	$175,000	30%

*10% down payment with no mortgage insurance option available with 740 FICO. Talk to a NASB loan officer for more details.

Proven Results. Trusted Nationwide.

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★★★★★ (5)
Alexander S, April 5, 2024

“I was pretty much locked in with another lender but wasn't 100% convinced. I did a Google search looking for the best mortgage options for business owners/self-employed, and NASB popped up in several places with solid recommendations. For us, it was like a final Hail Mary to ensure we looked at all possible options. We couldn't be more glad we took that last step and found you. Your speed is second to none, and the service was amazing from start to finish. Needless to say, we are also very happy with the rate that we got.”

★★★★★ (5)
Karina P., November 8, 2023

“My fiance and I are both 1099 employees and first-time homebuyers, so as one can imagine, it was fairly difficult for us to find a lender that did not have obscene fees. NASB helped us find a mortgage loan that was beneficial to us and worked with our situation. From our first phone call to closing day, our loan officer was offering her help and expertise the entire time. If you are self-employed or a 1099 contractor looking to purchase a home, contact NASB. They will do their absolute best to make it happen!”

★★★★★ (5)
Micheal D, March 24, 2024

“My loan officer was very informative, explaining everything I needed to provide them along the way. They made my dream home a reality when others could not.”

★★★★★ (5)
Christina K., March 14, 2024

“The entire process was smooth and efficient. Everyone I've dealt with has been friendly and pleasant to deal with. I wouldn't hesitate to recommend NASB to friends and family.”

As seen in:

¹Minimum 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.

²Additional eligibility criteria for each loan product may exist. Visit nasb.com for more information on each loan product type. Loans are subject to underwriting and eligibility criteria, and other factors. Your loan officer will provide you with more information regarding a specific loan and what may work best for your situation. The 1099 Loan, Bank Statement, and Credit Event Home Loan products are not available in New York, the Chicago or Baltimore metropolitan areas and not in all locations or for all property types. Contact a NASB Loan Officer for more details on product eligibility, specific areas and/or zip codes excluded.