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North American Savings Bank (NASB) is a bank statement mortgage lender serving self‑employed borrowers, business owners, and professionals whose income doesn’t fit traditional W‑2 guidelines. Our bank statement loans are part of a broader non‑QM lending approach, allowing qualified borrowers to use bank statements instead of tax returns to demonstrate income.
As low as 10% down payment
Great option for self-employed borrowers
No tax returns required
Answer a few easy questions to get your personalized recommendations and custom rate quote from one of our loan experts.
Choose from a residence to an investment property.
We offer loans for most occupational situations.
Knowing your credit score helps us match you with the right loan product.
Your down payment can affect your rate and monthly payments.
Sorry, we do not currently offer any investment property loans without a minimum 20% down payment.
Sorry, we do not currently offer any primary or secondary home loans without a minimum 10% down payment.
By knowing where you live, we can match you with your state's current mortgage regulations.
Just provide your information below and you'll be on your way to achieving your goals!
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At North American Savings Bank (NASB), a bank-statement loan is a mortgage that verifies income using bank statements instead of tax returns or W‑2s. Usually, a bank-statement mortgage allows self‑employed borrowers to qualify based on cash flow from deposits rather than taxable net income.
This option helps entrepreneurs and freelancers who claim legitimate write-offs while still demonstrating their ability to repay.
NASB’s Bank Statement Loan is designed for self-employed borrowers whose reported taxable income does not reflect their actual earnings due to business deductions. These loans are typically ideal for small business owners, independent contractors, gig workers, and 1099 earners with consistent deposits.
If your deposits are steady but your adjusted gross income is low, this program might be a better fit than traditional underwriting.
This emphasizes actual revenue trends instead of tax return
net income.
NASB typically requires 12 consecutive months of bank statements from the same account; if the file improves, it may review 24 months of statements. Generally, bank statement programs require 12–24 months to stabilize and account for seasonal changes.
Your loan officer might recommend a 24-month term if deposits fluctuate seasonally.
NASB’s program allows eligible borrowers to qualify without W-2s or tax returns and offers in-house underwriting with no prepayment penalties. Typically, bank statement mortgages offer flexibility for self-employed borrowers by focusing on cash flow and reducing documentation requirements.
Competitive, customized terms and practical support simplify the entire process from application to closing.
NASB evaluates your deposits, credit, LTV, DTI, reserves, and property details, relying on bank statements instead of tax returns to verify income. Typically, bank statement mortgages follow standard credit and collateral guidelines while accepting alternative income documentation.
This offers a familiar underwriting experience with flexible income verification.
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