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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.

Call us 855-921-4921 

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, a bank statement 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
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

Meet our Non-QM Lending Team

nick alphs179 1 x

Nick Alphs

Consumer Direct and Non-QM Sales Manager
NMLS 407572
Call: 866-627-2372
Email: nalphs@nasb.com

During my 14-year career I've learned that the best way to help customers is to listen first and present mortgage solutions second. As the Non-QM lending manager I will make sure the loan officers on my team use this same consultative approach with their customers.

michael thomas NASB

Michael Thomas

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

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 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.
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

My goal is to provide creative flexible solutions for non-conventional borrowers.
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Tina Guerra

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

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

myra mcfarlandC

Myra McFarland

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

I have built a reputation of delivering an exceptional experience for my customers by maintaining close communication as we navigate through the entire mortgage process. By utilizing NASB’s exclusive loan products I can offer flexible options to help you reach your goals. I look forward to the opportunity to work with you!

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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.