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Help More Clients Get Approved – Even Without W-2s
Got a self-employed buyer with solid income but no traditional documents? Our flexible Non-QM loans are perfect for:
When your clients don’t fit the traditional loan mold, we’re the lender who helps you keep deals alive and closings on time.
Whether you're working with self-employed buyers, investors, or high-net-worth clients with complex income, our Non-Qualified Mortgage (Non-QM) loan solutions are designed to help you serve more clients and grow your business.
We specialize in creative financing solutions that go beyond standard lending. If a conventional lender says no, chances are we can find a way to say yes – helping you turn more prospects into homeowners.
Bank statement loans, asset-based lending, and 1099 options help your entrepreneur and freelancer clients get approved—without the W-2s.
From DSCR loans to no-income investor programs, we’ve got the tools to help your clients scale their real estate portfolios quickly and efficiently.
We know time kills deals. That’s why we move fast, communicate clearly, and treat every loan like it’s our own.
Serving clients nationwide with fast, responsive service—wherever your next closing is.*
Don’t lose deals to rigid guidelines. Our expansive Non-QM offerings give you more ways to say yes—and keep your clients from walking away.
NASB offers a comprehensive suite of loan solutions, including both traditional and specialized non-QM options to serve a diverse range of clients. In addition to conventional, FHA, and VA loans, the following non-QM loan products are available:
Bank Statement Loans –Perfect for self-employed borrowers. Use 12–24 months of business or personal bank statements instead of tax returns.
1099 Loans – Tailored for independent contractors and gig workers using 1099 income instead of traditional documentation.
DSCR Loans – Designed for investors—qualify based on the property’s cash flow, not personal income.
Bridge loans - Allow clients to buy before selling their current home, giving them more flexibility in competitive markets.
Asset Depletion Loans – Great for high-net-worth clients. Use assets like investments or savings to qualify—no traditional income required.
Portfolio Loans – Flexible, custom solutions for unique situations or larger loans outside conventional underwriting guidelines.
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