IRA Lending

NASB is proud to be America’s IRA Non-Recourse Lender™, helping you use your self-directed IRA to purchase real estate as a tax-sheltered retirement investment.

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Use your self-directed IRA to purchase real estate with a non-recourse loan.

We offer a unique financing program for the purchase of property with a real estate IRA. Borrowers can choose from a variety of adjustable and fixed-rate non-recourse loans. We can usually provide approvals within 48 hours of receiving a complete application. With decades of servicing IRA non-recourse loans, we're ready to answer all your questions including:

  • How self-directed IRAs function
  • What a non-recourse loan is and how it works
  • What the IRS has to say about real estate in an IRA
  • The step-by-step actions on how to get started using real estate investments within your IRA to earn returns

Get the book on IRA Lending

IRA lending bookLeverage Your IRA is the #1 IRA real estate book in America, with everything you need to know about purchasing real estate with an IRA and IRA non-recourse loans. Here's what people have to say about Leverage Your IRA.

You can purchase your own copy of Leverage Your IRA here or receive a free digital version by calling us toll-free at 866-735-6272. 


Connect with an IRA Lending Expert


By clicking the Submit button you agree that you are providing an electronic signature expressly authorizing NASB to contact you by telephone at any of the telephone number(s) provided above using an automatic telephone dialing system or an artificial or prerecorded voice or via text/SMS message, even if the telephone number is assigned to a cellular telephone service or other service for which the called party is charged. NASB may also contact you via email using any email address you provided. This authorization overrides any previous registration on a federal, state or corporate Do Not Call Registry or any internal NASB privacy or solicitation preference you have previously expressed. You are not required to provide this authorization as a condition of purchasing any property, goods or services from NASB. As an alternative, you may call us directly at 866-735-6272 and we will process your request over the phone.


IRA Loan process and documents needed

The IRA Non-Recourse loan process will take roughly 30-35 days from the date we receive the loan application and appraisal fee.

First 10 days

  • Application/checklist
  • Driver’s license
  • IRA statements
  • Contract
  • Appraisal fee
  • Instruction letter to purchase real estate
  • Order property insurance
  • Disclosures mailed out

10-20 days

  • Contract titled correctly
  • Contract executed by the custodian
  • Satisfactory appraisal
  • Title commitment from title company/attorney

21-35 days

  • Loan docs sent to title company/attorney
  • A title company/attorney mail docs to IRA account holder to approve
  • Borrower mails docs to custodian/administrator to execute
  • Docs mailed back to title company/attorney; the loan is funded

To learn more, call us toll-free at 866-735-6272

  • Get the answers to the most common IRA lending questions.
  • Learn the process and what you need to apply.
  • Clear and concise answers.
Self-Directed IRA Custodians
Want to learn more?
If you're interested in learning about investing in real estate through a self-directed IRA reach out to one of these self-directed IRA companies.

Meet our IRA Lending Team

jason zook

Jason Zook

IRA Loan Officer
NMLS 415110
Call: 816-508-2397

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nick allen

Nick Allen

IRA Loan Officer
NMLS 1087304
Call: 816-508-2396

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matt alllen

Matt Allen

Vice President,
Real Estate Business Development
NMLS 415037

Call: 816-508-2203

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IRA Commercial Lending Experts

jeff wagner

Jeff Wagner

Vice President,
Commercial Real Estate Loan Officer

Call: 816-214-8116

View profile


liza kemma

Liza Kemna

Vice President,
Commercial Real Estate Loan Officer

Call: 816-316-4032

View profile

1This 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.

2Based on 2,615 NASB closed loan customer surveys from 1/1/2018 to 5/28/2019.


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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