Non-Conforming Loan

We have the experience to help people with unique circumstances or non-traditional incomes finance their dream home with a non-conforming loan.




Call us 888-661-1983 

non-conforming-loans

Key Features

Personalized loan criteria

May qualify for a home loan despite a previous credit issue

More flexible underwriting guidelines



Mortgage options for people who don't check all the boxes.

At NASB, we understand that not everyone fits the standard loan mold. That’s why we offer non-conforming mortgage options designed for borrowers with unique income or credit circumstances.

Our non-conforming loans may be an excellent option for:

  • Self-Employed Professionals & Business Owners
  • Real Estate Investors & Investment Property Owners
  • Independent Contractors & Freelancers
  • Gig Workers & Entrepreneurs


Proven Results. Trusted Nationwide.
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 4.96
Based on 1,605 customer reviews

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 4.7
Based on 1,177 customer reviews

Business Insider

 4.5
Based on Business Insider overall lender rating




Non-Conforming Loan Requirements

You may qualify for a NASB non-conforming home mortgage loan if you:

  • Have at least one year of self-employment within the same line of business history
  • Recently change jobs from W-2 to 1099 (You may be approved with as little as six months 1099 employment)
  • Have income with pay stubs from a second job; no required minimum history of working two jobs
  • Competitive conforming pricing up to $600,000 loan amounts; Above that, risk-based pricing applies
  • $200,000 minimum loan amount
  • Minimum loan amount of $175,000 required to apply*



Non-Conforming Loan Comparison

Loan Type1Who is it for?Min. Credit ScoreMin. Loan AmountMin. Down Payment
Bank Statement LoanSmall business owners700$175,00010% with mortgage insurance*
1099 LoanSelf-employed individuals700$175,00020%*
DSCR LoanReal estate investors700$175,00025%
Asset Depletion LoanBorrowers using liquid assets to qualify700$175,00020%*
Jumbo LoanBorrowers with home purchases above the conforming limit720$805,50120%
Credit Event LoanHelps individuals get a mortgage after credit event like bankruptcy620$175,00030%

*10% down payment with no mortgage insurance option available with 740 FICO. Talk to a NASB loan officer for more details.

Nationally competitive products. Individualized service.

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*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.