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Struggling to meet traditional loan requirements? NASB may be able to help!

Why Borrowers Choose NASB for Non-QM Loans:

  • Flexible Common-Sense Underwriting - Our in-house team works with you to simplify the process.
  • No Tax Return? No Problem - Ideal for self-employed borrowers and business owners.
  • Fast, Hassle-Free Approvals - Direct communication with your loan officer from start to finish.
  • Multiple Loan Options - Choose from Bank Statement, DSCR, 1099, Asset Depletion, Jumbo and more.
  • Credit Challenges? - You may still qualify for financing. We focus on solutions, not setbacks.

Thousands of borrowers have trusted NASB to finance their homes and investments through flexible lending options.

888-661-1963 

Find a home loan that fits your unique financial situation.

At North American Savings Bank (NASB), we understand that not everyone fits the traditional lending box. Whether you're self-employed, an investor with complex or irregular income, or rebuilding your credit, our Non-QM (non-qualified mortgage) programs are designed to help you move forward to reach your home or investment goals.

We specialize in helping:

  • Self-Employed Professionals & Business Owners
  • Real Estate Investors & Investment Property Owners
  • Independent Contractors & Freelancers
  • Gig Workers & Entrepreneurs

How to Get Started

Answer a few quick questions in the form to your right, and one of our experienced loan officers will reach out with personalized options—no obligation, just clarity.

  • It only takes 60 seconds to start.
  • Prefer to talk right now? Call us at 888-661-1963
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Let's get started!

Answer six quick questions to get your personalized recommendations from one of our loan experts.

What type of mortgage loan are you looking for?

Can’t Find What You Need?

NASB offers a full suite of non-QM loan programs that can be customized to your situation. Speak with one of our knowledgeable loan officers to explore which solution fits you best.

888-661-1963


Loan Type1Who 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.
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1Additional 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, DSCR Loan, 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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