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Non-Conforming Loan

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

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Key Features

Personalized loan criteria

May qualify for a home loan despite a previous credit issue

More flexible underwriting guidelines

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 with those unique circumstances and get you into your dream home.

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Answer six quick questions to get your personalized recommendations from one of our loan experts.

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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
  • $200,000 minimum loan amount
  • Minimum loan amount of $175,000 required to apply*

  • Get the most up-to-date rates available
  • For purchase or refinance, all loan types
  • Different rate and term options presented
  • A variety of mortgage payment calculations
  • Learn which loan is better for you
  • Help to make term and loan type decisions
  • Best option for loan exceeding the conforming loan limit
  • May require as little as 10% down payment
  • Choose from a variety of loan programs
  • No tax returns required
  • Borrow up to $1,250,000
  • Great option for self-employed borrowers
What Our Customers Say
Mohit M., May 25, 2021
★★★★★ (5)

"NASB always makes it easy and transparent to work with them. I know upfront what to expect - they're clear in their communication and keep their word. This was my third interaction with them and it's a fantastic experience working with the NASB team."

90 Net Promoter Score

Based on closed loan customer surveys from 6/1/2022 to 5/30/2023

$30 Billion in home loans

In the last decade based on lender data

100,000 home loan customers since 2010

Based on lender data

Nationally competitive products. Individualized service.

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*Minimum loan amount of $175,000 required to apply. Exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas. Contact a NASB Loan Officer for more details on the specific areas and/or zip codes excluded.