Mortgage Loans for Self-Employed and Business Owners

No tax returns needed
10% down payment with no mortgage insurance option available.¹
700 minimum credit score; $175,000 minimum loan amount²
Experience and understanding to assist with your unique financial situation
In-house underwriting means a fast and worry-free loan process

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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★★★★★ (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.”

You can now secure a home loan with bank statements if you're self-employed.

Working for yourself has advantages, but getting a mortgage loan with a non-traditional income can be challenging. A bank statement loan from NASB does not require personal or business tax returns, W2s, or paystubs to verify your income.* Instead, we will review 12 to 24 months of bank statements to calculate your qualifying income for loan approval.

NASB is a leader in the non-QM lending space. We offer personalized mortgage solutions to those who don’t fit conforming guidelines achieve their goal of homeownership every day. We know there's a better way and are committed to using our knowledge and experience to make the mortgage process as seamless as possible.

Bank statement loans are an excellent option for:

Self-employed individuals
Independent Contractors
Consultants
Realtors

Freelancers
Entrepreneurs
Gig economy workers
Truck drivers

Get your free, personalized rate quote today!

888-661-1963

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?

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¹10% minimum down payment with no mortgage insurance required requires a minimum 740 credit score, no prior bankruptcy, and a 12-month housing history. Otherwise, borrowers need a minimum credit score of 700 and a 10% down payment with approved mortgage insurance.

²1099 loans require a minimum 700 FICO score, a minimum loan amount of $175,000 (exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas), and a 20% down payment. A lower FICO score or down payment may be available with eligible compensating factors. Must have a two-year history in the same line of work. Contact a NASB Loan Officer for details on the excluded areas and/or zip codes. The product is not available in New York, the Chicago, or Baltimore metropolitan areas and not in all locations or for all property types. Loans are subject to underwriting, eligibility criteria, and other factors. Your Loan Officer will provide more information regarding 1099 loans and what may work best for your situation.