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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

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
  • 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."

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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