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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.

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When you need more flexibility than a conventional loan.

When others say no, we find ways to say yes. We have a Net Promoter Score of 821, 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
  • For purchase or refinance
  • Flexible qualifying requirements
  • Can finance primary residence, second homes or investment properties
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Meet our Non-QM Lending Team


matt alllen 988 x

Matt Allen


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



michael thomas

Michael Thomas


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

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Start an application 
jason zook322 x

Jason Zook


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

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cord zucht 1003 x

Cord Zucht


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

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lisa hook web

Lisa Hook


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

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heather howard 1064 x

Heather Howard-Homburger


Non-QM Sr. Loan Officer
Call: 866-627-2039
Email: hhoward@nasb.com
NMLS #415164

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angela fitwater NASB

Angela Fitzwater


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

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john ludwikoski 827 x

John Ludwikoski


Non-QM Sr. Loan Officer
Call: 816-508-2430>
Email: jludwikoski@nasb.com
NMLS #415071

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tina guerra

Tina Guerra


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

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myra mcfarland

Myra McFarland


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

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mercedes spring nasb

Mercedes Spring


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

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branon nicholson

Branon Nicholson


Non-QM Sr. Loan Officer
Call: 816-508-2249
Email: bnicholson@nasb.com
NMLS #238818

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thomas kueser

Thomas Kueser


Non-QM Sr. Loan Officer
Call: 816-508-2293
Email: tkueser@nasb.com
NMLS #1372029

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alexus starr nasb

Alexus Starr


Non-QM Sr. Loan Officer
Call: 816-508-2236
Email: astarr@nasb.com
NMLS #1963479 

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What Our Customers Say
Philip G., August 14, 2022
★★★★★ (5)

"NASB provides the small business owner and the self-employed means to qualify for many types of mortgages. All the staff in contact with me are extremely helpful and update me on pertinent information I need to know throughout the mortgage process."

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