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Non-QM Loans

When you need a home loan but circumstances are preventing you from getting a conventional loan, a non-qualified mortgage loan from NASB may be the solution. Choose from our non-conforming, jumbo, bank statement, bridge, FLEX, or Portfolio loans.

Check today's rates 

When you need more flexibility than a conventional loan.

When others say no, we find ways to say yes. 92% of our customers would recommend NASB1, and we got there by providing the best service and securing the best rates possible for our customers. We recognize that sometimes our customers don't qualify for conventional loans, even though they are financially stable. With our line of non-QM loans, we can work with you to find the right financing to get you into the home of your dreams.  Whether it’s our FLEX or portfolio loan, a jumbo loan, an asset depletion loan, a bank statement loan or 1099 loan for self-employed borrowers, or a bridge loan, we’ll assist you through the loan process worry-free.

  • Mortgage option for the credit-challenged
  • Higher loan limits
  • More flexible underwriting guidelines
  • Best option for loan exceeding the conforming limit
  • May require as little as 10% down payment
  • Choose from a variety of loan programs
  • No tax returns required
  • Borrow up to $1,000,000
  • Great option for self-employed borrowers
  • Less money down than the traditional 20%
  • Options for previous bankruptcy or foreclosure
  • We look at non-traditional income sources
  • Look at all income streams for qualification
  • Less restrictive credit guidelines
  • Common sense underwriting
  • Allows you to buy new house before old one sells
  • Enables time-sensitive financial transactions
  • Flexible repayment options
  • Use your assets instead of income to qualify
  • Borrow up to $1,000,000
  • Great option for self-employed borrowers
  • Use your 1099 instead of tax documents to qualify
  • 660 minimum credit score
  • Great option for self-employed borrowers
  • Purchase real estate as income source
  • Qualify with employment history, credit score and DTI
  • Minimum 20% down
  • Competitive rates
  • Lowest possible down payments
  • All underwriting is done in-house
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Meet our Non-QM Lending Team


matt alllen 988 x

Matt Allen


Vice President, Portfolio Lending
NMLS 415037
Call: 816-508-2203
Email: mallen@nasb.com

My team and I look forward to helping borrowers with unique financial situations get mortgage funding using our wide variety of specialized non-QM products.

michael thomas NASB

Michael Thomas


Non-QM Sr. Loan Officer
NMLS 505686
Call: 816-508-2392
Email: mthomas@nasb.com

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It's my goal to provide creative solutions at competitive rates to your unique circumstances. I specialize in helping self-employed borrowers obtain mortgage financing.
jason zook

Jason Zook


Non-QM Sr. Loan Officer
NMLS 415110
Call: 816-508-2397
Email: jzook@nasb.com

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I have been with NASB since the start of my finance career and understand the commitment it takes to make your loan experience a positive one.
cord zucht 1003 x

Cord Zucht


Non-QM Sr. Loan Officer
NMLS 936063
Call: 866-672-2712
Email: czucht@nasb.com

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I pride myself on great customer service and finding the right program to fit all my borrower's needs and wants. Whether you are looking to purchase a new home or refinance your existing home, I’ll be there every step of the way. I look forward to working with you.
tonja reynolds 1226 x

Tonja Reynolds


Non-QM Sr. Loan Officer
NMLS 1433918
Call: 866-627-2137
Email: treynlods@nasb.com

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With a passion for helping others achieve their goals, I work diligently to make sure that each of my clients receive the highest level of customer service during their journey and recognize that each situation is different.
lisa hook web

Lisa Hook


Non-QM Loan Officer
NMLS 2093742
Call: 816-508-3128
Email: lhook@nasb.com

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I have been in the mortgage industry since 2011 and am versed in all types of loan products, from conventional to non-QM loans
angela fitwater NASB

Angela Fitzwater


Non-QM Loan Officer
NMLS 2093743
Call: 816-508-3123
Email: afitzwater@nasb.com

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My goal is to provide creative flexible solutions for non-conventional borrowers.
tina guerra

Tina Guerra


Non-QM Loan Officer
NMLS 465979
Call: 816-621-6508
Email: tguerra@nasb.com

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I am a Senior Loan Consultant with over 18 years in the mortgage lending industry.

myra mcfarland

Myra McFarland


Non-QM Loan Officer
NMLS 459161
Call: 816-501-3879
Email: mmcfarland@nasb.com

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I have built a reputation of delivering an exceptional experience for my customers by maintaining close communication through the entire mortgage process. I look forward to working with you!
mercedes spring nasb

Mercedes Spring


Non-QM Loan Officer
NMLS 1730436
Call: 816-508-3113
Email: mspring@nasb.com

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I pride myself in providing the best financial solution for you and your family. My specialty is helping clients with unique financial situations by using one of NASB's premium loan products that you can't find anywhere else!
branon nicholson

Branon Nicholson


Non-QM Loan Officer
NMLS 238818            
Call: 816-508-1449
Email: bnicholson@nasb.com

View profile

I will make sure that you have a clear understanding of the entire loan process and match you with the loan that makes the most sense for your situation.

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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."

What is a Portfolio Loan?

In this NASB Now video, we explain what a portfolio loan or non-QM loan is, the different types of portfolio loans, and who can benefit from seeking this type of loan.





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