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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 score1,2

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



Proven Results. Trusted Nationwide.
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Business Insider

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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 Type1 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.


As seen in:

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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. 
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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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