Non-Conforming Loan

We have the experience to help people with unique circumstances finance their dream home with a non-conforming loan.

Call us (855) 465-0753 

Key Features

Personalized loan criteria

May qualify for a home loan despite a previous credit issue

More flexible underwriting guidelines

Get a personalized quote now!

Answer a few simple questions and choose your preferred contact method to get personalized recommendations - just for you, right from our experts.

Want help from a human?

Answer a few simple questions and choose your preferred contact method to get personalized recommendations — just for you, right from our experts.

What type of loan are you looking for?
Step 1

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) 627-7119 and we will process your request over the phone.

Mortgage options for people who don't check all the boxes.

NASB understands that for some folks, getting a mortgage loan can be difficult when you don't meet conforming loan requirements. Certain life circumstances – a change in income, job loss, bankruptcy, short sale – can often make it hard to obtain a home loan. That's where seeking a non-conforming loan from NASB could be the solution. We have the experience and understanding to assist those with unique circumstances get them into their dream home.

Non-Conforming Loan Requirements

You may qualify for a NASB non-conforming home mortgage loan if you:

  • Have at least one year of self-employment within the same line of business history
  • Recently change jobs from W-2 to 1099 (You may be approved with as little as six months 1099 employment)
  • Have income with pay stubs from a second job; no required minimum history of working two jobs
  • Competitive conforming pricing up to $600,000 loan amounts; Above that, risk-based pricing applies
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Cindy L.
My experience with NASB was exceptional. Everyone went above and beyond. They made the transition from applying for a loan to finalizing very easy and stress free.

Local banking. National lending.

More than $18 billion in home loans in the last decade

Based on lender data

More than 66,000 home loan customers in the last decade

Based on lender data

99% of customers would recommend NASB

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

Nationally competitive products. Individualized service.

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