Facebook Pixel

Home Loans

Whether you need a VA loan, FHA loan, conventional loan or refinance, get your home loan with one of the best mortgage lenders in the nation, NASB.

Check today's rates 

A home mortgage loan from a lender you can trust.

Find the home loan that’s right for you. We have an 82 Net Promoter Score1, and we got there by providing the best service and securing the best rates possible for our customers. Whether it’s a conventional home mortgage loan, VA loan, Non-QM loan or FHA loan, we’ll assist you through the loan process and get you into your dream home fast and worry-free. We can provide options whether you are a first-time home buyer, or are upgrading to a bigger home. With your down payment, interest rate, and purchase price, you can use our helpful loan calculators to help determine monthly payments and origination fees, plus much more. 

  • Varying loan terms to accommodate your financial situation
  • No mortgage insurance fees with qualifying down-payment
  • An adjustable-rate loan with lower rates is available for shorter terms
  • No lender fees2
  • Typically no down payment3
  • No private mortgage insurance needed
  • Credit requirements not as stringent as conventional loans
  • FHA loans require only a 3.5% down payment
  • Friendlier debt ratios than other loans
  • Best option for loan exceeding the conforming loan limit
  • May require as little as 10% down payment
  • Choose from a variety of loan programs
  • Mortgage option for the credit-challenged
  • Higher loan limits
  • More flexible underwriting guidelines
  • Less money down than the traditional 20%
  • Options for previous bankruptcy or foreclosure
  • We look at non-traditional income sources
  • No tax returns required
  • Borrow up to $1,000,000
  • Great option for self-employed borrowers
  • Rate is lowered when the market rates decrease
  • Good option if you plan on moving soon
  • Typically get an introductory rate lower than the market for a fixed period
  • As low as 3% down payment
  • Flexible funding options
  • Competitive pricing
  • Flexible sources of down payments
  • Down payments as low as 3%
  • Competitive pricing
  • Leverage your real estate purchase with an IRA non-recourse loan
  • Retirement savings grow in a tax-deferred or tax-free environment.4
  • Self-directed IRAs can yield higher returns, at a faster rate.
Let's get started!

Answer a few simple questions to get your personalized recommendations.

What type of loan are you looking for?
Whether you're seeking an FHA home loan, conventional home loan or VA home loan, a purchase loan or refinance loan, or a 15-year or 30-year fixed rate loan, here are the mortgage interest rates today.

Loading...
Type of Loan
Product
Rate
APR
Payment
Monthly PMI
Fees
%
% APR
$ /mo
$
$
Rates cannot be calculated given the data you have entered. Please make sure you have made your selections correctly and try again.


The interest rates shown above are based on your credit history, property type and loan amount. The actual interest rates and fees available to you may vary and may differ from the rates displayed. The Interest rates, Annual Percentage Rates (APR) and fees shown are subject to change without notice. Additionally, rates displayed for an Adjustable Rate Mortgage (ARM) may increase after consummation and throughout the life of the loan. This is not a credit decision or commitment to lend. For actual rates, please complete a loan application or contact a NASB loan officer. The APR reflects the annual cost of your loan, including items such as mortgage insurance, most closing cost, discount points (also referred to as “points”) and loan origination fees. Your monthly payment is not based on APR, but instead on the Interest Rate. Payment amounts shown include principal and interest only. The payment amount shown does not include the monthly escrow payment for real estate taxes, hazard and / or flood insurance, if applicable. If an escrow account is established, the actual mortgage payment will include escrow totals in addition to principal and interest.



Home Loan FAQs

A mortgage loan that's insured by the Federal Housing Administration (FHA). Here's a blog that explains more.

Documentation you may need for a VA loan includes but is not limited to the following:

  • Copy of driver’s license
  • Two years full tax returns - all pages and all schedules
  • Two most recent pay stubs with year-to-date pay
  • Two most recent asset statements - all pages with full transaction history
  • Copy of your mortgage statement if you currently own
  • Bankruptcy and discharge papers (if applicable)
  • Certificate of Eligibility (COE).
  • Form 28-1880 (Request for COE)
  • Form DD-214

NASB offers a number of loans and programs that helps getting a loan for a first-time buyer easy and affordable.

The different loans available include:

  • FHA loans with credit requirements not as stringent as conventional loans
  • VA loans for veterans and their families with no origination or application fee in closing costs1
  • Bank Statement loans for self-employed borrowers who would rather show bank statements than tax returns
  • FLEX loans for borrowers with unique credit situations
NASB mortgage programs that can help reduce stress during the home purchase process:
1NASB does not charge lender fees on VA loans; however, fees payable to third party service providers are still required.
2Specific geographic and / or income level restrictions apply. Eligibility for the discount and features of the Good Neighbor Programs are separate from loan approval, which is still required.
A portfolio loan is a loan that a lender will keep in their portfolio, instead of selling to the secondary market.  A primary reason that these lenders keep the loans in their portfolio is to provide a lending option to those who may not fit secondary market eligibility guidelines and to help the local community. It’s part of their mission and purpose.
To apply for a conventional mortgage loan, borrowers usually must provide pay stubs and W-2's from the past two years of employment. But if you are self-employed or own your own business, you don't have W-2's or pay stubs. A bank statement loan requires only the bank statements of self-employed borrowers to determine if they can produce sufficient income to warrant approval for a mortgage loan.  Here’s a blog that can explain more.
A mortgage refinance is when a homeowner gets access to a new mortgage loan to replace the existing one. The reasons for this could include getting a lower rate, reducing the term of the loan, access the equity built up in the house for cash, or cancelling mortgage insurance premiums.
One of the most common types of loans that home buyers come across is the conventional loan. These loans aren’t backed by the government, like FHA and VA loans. Conventional loans follow the guidelines that Fannie Mae and Freddie Mac - two agencies responsible for standardizing mortgage lending - have set. But it’s lenders, such as banks, that are responsible for approving your conventional loan. Here's a blog that explains more about conventional loans.
Conventional loans may offer some of advantages to other loan types. They require down payments as low as 3%, there may be less paperwork, and you will not have monthly primary mortgage insurance ('PMI') with a down payment of at least 20%.
Save this link as a favorite to ensure you stay up to date with where your loan application is, documents that need to be signed, and ensuring you are setup for success at closing.  https://portal.nasb.com

Once your loan officer sends an email directing you to set up your portal account, you will be informed of the loan progress with five status updates:

  1. Your application has been submitted for review
  2. You may review and acknowledge disclosures
  3. You are notified when the loan has been approved
  4. All documents have been sent to your Settlement agent to be notarized
  5. Your loan funds have been dispersed 


Want to learn more about the mortgage process at NASB?



NASB mortgage assistant programs  


  • A head start on the buying journey
  • Gain an advantage over other buyers
  • The opportunity to close faster
  • Locks in rate for 90 days
  • If rate drops within 90 days you can get your rate lowered2
  • Underwrite loan up front when combined with Home Buying Advantage
  • Lock in rate for nine months
  • If rate drops within nine months you can get your rate lowered2
  • Available on conventional, FHA and VA loans
  • Easier qualification: 580 minimum credit score
  • No NASB lender fees1, plus a lender credit for closing cost assistance may be provided
  • For qualifying property locations, benefits allowable for use with other loan programs
  • Cash Assistance Loan
  • Non-Cash Assistance Loan
  • Available first-time home buyers and veterans

Home loan resources



VIdeo - How to Prepare for a Mortgage Loan

 



 

Ready to get started?

 




NerdWallet_FTHB award-green
NerdWallet_2x Winner
NerdWallet_VA award-green

©2017-2022 and TM, NerdWallet, Inc. All Rights Reserved.

What Our Customers Say
Kenneth T., February 1, 2022
★★★★★ (5)

"Very efficient, cordial and customer friendly team. Loan process was easy and rate was the best. Job well done!"

1Based on 544 NASB closed loan customer surveys from 12/1/2021 to 7/27/2022. According to Bain and Company, the source of the Net Promotor Score (‘NPS’) system, a score of 50 is excellent, and anything above 80 is world-class.

2NASB does not charge lender fees on VA loans; however, fees payable to third-party service providers are still required, including a VA funding fee if applicable.

3VA loans require a down payment if the borrower does not have sufficient entitlement, for Graduated Loan Payment loans or one where the loan amount exceeds the property value. Typically Lenders, however, will also require a down payment of 25% (or more) for the amount in which the loan amount exceeds the conforming loan limit (‘Jumbo loans’).

4This is not intended to and does not constitute legal advice or financial / investment / tax advice. North American Savings Bank does not make any guarantee or other promise as to the results obtained. You should consult with an attorney or other professional to determine what may be best for your individual needs.