Non-Conforming Loan

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

More flexible underwriting guidelines

Jun 24, 2019, 09:06 AM

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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 63,000 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

More than $17 billion in home loans in the last decade

Based on lender data

Nationally competitive products. Individualized service.

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