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FLEX Loan

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

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.

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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’ll consider income associated with trusts, retirement accounts and other non-traditional sources.
  • 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
  • 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
What Our Customers Say
Gertrude W., March 22, 2021
★★★★★ (5)

"I am a repeat customer of NASB and I always recommend family and friends to use their services."


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Local banking. National lending.

30 billion dollars in home loans

In the last decade based on lender data

82 "World-class" Net Promoter Score*

Based on 544 NASB closed loan customer surveys from 12/1/2021 to 7/27/2022

100,000 home loan customers since 2010

Based on lender data

Nationally competitive products. Individualized service.

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*According to Bain and Company, the source of the Net Promotor Score (‘NPS’) system, a score of 50 is excellent, and anything above 80 is world-class.