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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, 1099, DSCR, or portfolio loans.
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.
Answer six quick questions to get your personalized recommendations from one of our loan experts.
Choose from a residence to an investment property.
We offer loans for most occupational situations.
Knowing your credit score helps us match you with the right loan product.
Your down payment can affect your rate and monthly payments.
Sorry, we do not currently offer any investment property loans without a minimum 20% down payment.
Sorry, we do not currently offer any primary or secondary home loans without a minimum 10% down payment.
By knowing where you live, we can match you with your state's current mortgage regulations.
Just provide your information below and you'll be on your way to achieving your goals!
By clicking the Submit button you agree that you are providing an electronic signature expressly authorizing NASB to contact you by telephone at any of the telephone number(s) provided above using an automatic telephone dialing system or an artificial or prerecorded voice or via text/SMS message, even if the telephone number is assigned to a cellular telephone service or other service for which the called party is charged. NASB may also contact you via email using any email address you provided. This authorization overrides any previous registration on a federal, state or corporate Do Not Call Registry or any internal NASB privacy or solicitation preference you have previously expressed. You are not required to provide this authorization as a condition of purchasing any property, goods or services from NASB. As an alternative, you may call us directly at (866) 627-7119 and we will process your request over the phone.
Non-QM Sr. Loan Officer
Call: 816-508-2397
Email: jzook@nasb.com
NMLS #415110
Non-QM Sr. Loan Officer
Call: 866-627-2039
Email: hhoward@nasb.com
NMLS #415164
Non-QM Sr. Loan Officer
Call: 816-508-2392
Email: mthomas@nasb.com
NMLS #505686
Non-QM Sr. Loan Officer
Call: 816-508-2108
Email: scox@nasb.com
NMLS #260341
Non-QM Sr. Loan Officer
Call: 816-508-2109
Email: venus@nasb.com
NMLS #1190167
Non-QM Sr. Loan Officer
Call: 866-508-2101
Email: sfarnsworth@nasb.com
NMLS #215510
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.
A non-QM loan, or a non-qualified mortgage loan, is any loan that does not comply with QM rules. It does not mean it’s a more risker loan for the borrower or the lender. Non-QM loans offer more flexibility on how income is documented. Non-QM loans also offer limited or alternative documentation. Non-QM loans must still comply with ability-to-repay (ATR) requirements. Since the loans are not insured, guaranteed, or backed by any government agency, the portfolio lender keeps the loan in their portfolio.
Self-employed borrowers who can't provide a W-2 or pay stubs to verify their income are ideal candidates for a non-QM loan. Lenders can look at their bank statements over the past year or two to get a clear picture of their income. Other non-QM candidates can include independent contractors who can use their 1099s to qualify for a mortgage, or real estate investors using a DSCR loan to help them qualify for a loan based on their property’s cash flow without verifying personal income.
A minimum loan amount of $175,000 is 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 details on the excluded areas and/or zip codes.
A conventional or qualified mortgage (QM) loan is a mortgage class that meets specific lender and borrower standards, as outlined in the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. QM loans cannot have certain more risky features like negative amortization, balloon payments, or interest-only payments. A non-QM loan is essentially any loan that doesn't meet QM requirements.
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