Designed for borrowers who:
- Invest in real estate
- Use bank statements instead of tax returns
- Are self-employed or receive a 1099
- Had a recent credit event
Zillow
4.96
Based on 1,605 customer reviews
WalletHub
4.7
Based on 1,177 customer reviews
Business Insider
4.5
Based on Business Insider overall lender rating
Find Your ProFile
Answer a few quick questions to see whether a ProFile Mortgage solution may align with your financial situation.
- No credit pull
- No obligation
- Designed for non‑traditional income scenarios
Answer a few easy questions to get your personalized recommendations and custom rate quote from one of our loan experts.
Prefer to talk it through?
We offer a full suite of non-QM loan programs that can be customized to your situation. Speak with one of our knowledgeable loan officers to explore which solution fits you best.
| Loan Type1 | Who is it For? | Minimum Credit Score | Minimum Loan Amount | Minimum Down Payment |
|---|---|---|---|---|
Bank Statement Loan Uses bank statements (not tax docs) to verify income. | Self‑employed borrowers, business owners, or independent contractors | 700 | $175,000 | 10% with mortgage insurance* |
1099 Loan Uses 1099 income instead of traditional income docs. | Independent contractors, freelancers, and gig workers | 700 | $175,000 | 20%* |
DSCR Loan Qualifies based on rental property cash flow instead of income. | Real estate investors | 700 | $175,000 | 20% |
Asset Depletion Loan Uses assets (not income) to qualify for a mortgage. | High-net-worth borrowers or retirees using liquid assets to qualify | 700 | $175,000 | 20%* |
Jumbo Loan For higher loan amounts or loans that don't meet standard guidelines. | Borrowers with home purchases above the conforming limit | 720 | $805,501 | 20% |
Credit Event Loan Looks at complete financial picture to secure a loan after a credit setback. | Individuals looking to secure a loan after a one-time hardship such as bankruptcy or foreclosure | 620 | $175,000 | 30% |
*10% down payment with no mortgage insurance option available with 740 FICO. Talk to a NASB loan officer for more details.
Why our non-QM approach stands out:
- A broad range of non-QM loan options to accommodate unique income, asset, and credit profiles
- In-house underwriting for quicker decisions and consistent communication
- A consultative, common-sense approach that focuses on the full financial picture—not just a checklist
- Experienced teams that collaborate early to identify solutions and minimize surprises
Meet our ProFile Mortgage Team
Jason Zook
Non-QM Sr. Loan Officer
Call: 816-508-2397
Email: jzook@nasb.com
NMLS #415110
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Heather Howard-Homburger
Non-QM Sr. Loan Officer
Call: 866-627-2039
Email: hhoward@nasb.com
NMLS #415164
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Michael Thomas
Non-QM Sr. Loan Officer
Call: 816-508-2392
Email: mthomas@nasb.com
NMLS #505686
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Shelley Cox
Non-QM Sr. Loan Officer
Call: 816-508-2108
Email: scox@nasb.com
NMLS #260341
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Venus Krzysztow
Non-QM Sr. Loan Officer
Call: 816-508-2109
Email: venus@nasb.com
NMLS #1190167
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David Vaughan
Non-QM Sr. Loan Officer
Call: 816-508-2106
Email: dvaughan@nasb.com
NMLS #386109
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Jason Hicks
Non-QM Sr. Loan Officer
Call: 816-508-2112
Email: jhicks@nasb.com
NMLS #130416
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1Not available in New York state, the Chicago or Baltimore metropolitan areas, and not available in all locations or for all property types. Loans are subject to underwriting and eligibility criteria, and other factors. Your loan officer will provide you with more information regarding non-QM loans and what may work best for your situation.