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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
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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 Type2Who is it for?Min. Credit ScoreMin. Loan AmountMin. Down Payment
Bank Statement LoanSmall business owners700$175,00010% with mortgage insurance*
1099 LoanSelf-employed individuals700$175,00020%*
DSCR LoanReal estate investors700$175,00025%
Asset Depletion LoanBorrowers using liquid assets to qualify700$175,00020%*
Jumbo LoanBorrowers with home purchases above the conforming limit720$805,50120%
Credit Event LoanHelps individuals get a mortgage after credit event like bankruptcy620$175,00030%

*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.
general non-qm with reviews

Zillow

 4.96
Based on 1,605 customer reviews

WalletHub

 4.7
Based on 1,177 customer reviews

Business Insider

 4.5
Based on Business Insider overall lender rating


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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.

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NMLS ID# 400039.

Not all products are available for collateral located in all states or for all amounts. Other restrictions and limitations may apply.

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