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 

Non-QM loans

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 901, 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.



Minimum loan amount of $175,000 required to apply. Exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas. Contact a NASB Loan Officer for more details on the specific areas and/or zip codes excluded. 
  • No tax returns required
  • Borrow up to $1,250,000
  • Great option for self-employed borrowers
  • Competitive rates
  • Lowest possible down payments
  • All underwriting is done in-house
  • Use your 1099 instead of tax documents to qualify
  • 680 minimum credit score
  • Great option for self-employed borrowers
  • Mortgage option for the credit-challenged
  • Higher loan limits
  • More flexible underwriting guidelines
  • Purchase real estate as income source
  • Qualify with employment history, credit score and DTI
  • Minimum 15% down
  • Best option for loan exceeding the conforming loan limit
  • May require as little as 10% down payment
  • Choose from a variety of loan programs
  • Less money down than the traditional 20%
  • Options for previous bankruptcy or foreclosure
  • We look at non-traditional income sources
  • 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
  • Here's the answers to common Non-QM loan questions.
  • Learn the process and what you need to apply.
  • Easy-to-understand answers with additional content links.
Let's get started!

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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



jason zook322 x

Jason Zook


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

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Start an application 
michael thomas

Michael Thomas


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

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seth robey 838 x

Seth Robey


Non-QM Sr. Loan Officer
Call: 866-627-2050
Email: srobey@nasb.com
NMLS #415042

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Start an application 
myra mcfarland

Myra McFarland


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

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Start an application
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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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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Start an application
lisa hook web

Lisa Hook


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

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ryan stephenson 522 x

Ryan Stephenson


Non-QM Sr. Loan Officer
Call: 866-627-2049>
Email: rstephenson@nasb.com
NMLS #1067380

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Start an application


branon nicholson

Branon Nicholson


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

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Start an application 
heather lutman 1024 x

Heather Lutman


Non-QM Sr. Loan Officer
Call: 866-627-2139>
Email: hlutman@nasb.com
NMLS #852119

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Start an application
tina guerra

Tina Guerra


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

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Start an application 




Video - How to Get a Home Loan if You're Self-Employed

Watch this video to find out the two ways you can get a mortgage loan if you're self-employed without W2s or pay stubs.




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."



1According 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.