Non-QM Mortgage Rates

View our non-QM mortgage rate requirements for bank statement, 1099, DSCR, and asset depletion mortgage loans.

Mortgage Rates

Interest rates for non-QM loans.

Non-QM loans are typically for borrowers who don't qualify for a traditional mortgage due to being self-employed, recent income fluctuations, or wanting to purchase investment property without using personal income. Because every non-qm loan borrower has unique circumstances, the rate will be unique and typically higher than a conventional 30-year fixed mortgage rate.

Below are the factors that impact the rate for each non-QM loan program, including bank statement loans, 1099 loans, DSCR loans, and asset depletion loans:

  • FICO Score
  • Loan-to-value ratio
  • Debt-to-income ratio
  • Down payment amount
  • Loan amount
  • Purchase or cash-out transaction
  • Owner-occupied, second home, or investment property

NASB is a national leader in the non-QM lending space. We offer personalized mortgage solutions, helping borrowers who don’t fit traditional conforming guidelines achieve their goal of home ownership.

Complete the questionnaire below to get a custom rate quote from one of our non-QM lending experts.

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What Our Customers Say
Karina P., November 8, 2023
★★★★★ (5)

"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!"