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If you don't fit inside standard loan guidelines, you may want to consider a FLEX loan from NASB that looks at your unique financial situation.

Call us 855-921-4921 

Key Features

Less money down compared to the traditional 20%

Options for previous bankruptcy or foreclosure

Use of non-traditional income sources

NASB wins three NerdWallet 2021 Best-of Awards

NASB Best Mortgage Lender VA 
 NASB Best Mortgage Lender Overall
NASB Best Mortgage Lender First Time Home Buyer

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Not all borrowers are the same.

We say YES when others say NO. Our FLEX loan looks at each borrower's unique situation, combining common sense underwriting with our flexible NASB guidelines, to help more customers achieve their financial goals. We count virtually any assets you might hold, like a trust or retirement account, as income when qualifying you for a loan. If you are self-employed and fit within standard loan guidelines, our FLEX program can help borrowers finance their dream home.

Let's get started!

Answer a few simple questions 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.

Our FLEX loan offers you greater flexibility when looking for a home loan by offering:

  • Less money down compared to the traditional 20%.
  • Shorter waiting periods on a previous bankruptcy or foreclosure.
  • Use of non-traditional income sources. We count virtually any assets you might hold, like a trust or retirement account, as income when qualifying you for a loan.
  • Easier documentation for non-traditional income.

FLEX Loan Guidelines and Requirements

  • Maximum loan amount is $550,000, minimum is $200,000
  • 15% down payment, or as low as 5% with mortgage insurance
  • Minimum FICO score of 690 (primary wage earner)
  • A maximum debt-to-income ratio of 48%
  • Three-year seasoning required on bankruptcy, six years on short sale or foreclosure
  • Get the most up-to-date rates available
  • For purchase or refinance, all loan types
  • 15-year and 30-year term options
  • A variety of mortgage payment calculations
  • Learn which loan is better for you
  • Help to make term and loan type decisions
Joseph G.
You did what I did not think could be done. I am very grateful to you and your staff. From my family to you, thank you.

Local banking. National lending.

$22B in home loans in the last decade

Based on lender data

92% of customers would recommend NASB

Based on 13,296 NASB closed loan customer surveys from 1/1/2018 to 4/29/2021

83,000+ home loan customers since 2010

Based on lender data

Nationally competitive products. Individualized service.

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