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Self-Employed and Can’t Get a Home Loan?

  • No tax returns required
  • Borrow up to $1,250,000
  • Available as 30-year fixed or 5/1 adjustable rate mortgage
  • All underwriting is done in-house
  • Minimum FICO score of 680, minimum loan amount is $175,000*



Being self-employed shouldn't make it difficult to get a mortgage loan.

If you are self-employed and seeking a home mortgage but would like an alternative way to show your true cash flow, a bank statement loan or 1099 loan from NASB might be the right for solution for you. At NASB we can review 12 to 24 months of bank statements or 1099 earning statements to calculate your qualifying income. No W2s or Income tax documents required*

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.


90% Customer Recommendation Rating!

4.9 out of 5 Average Satisfaction Rating

Based on 277 NASB closed loan customer surveys from 1/1/2023 to 5/31/2023.

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Answer six quick questions to get your personalized recommendations from one of our loan experts.

What type of mortgage loan are you looking for?


*Bank statement loans and 1099 loans require a minimum $175,000 loan amount (exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas), a minimum credit score of 680, and a 10% down payment with approved mortgage insurance. Contact a NASB Loan Officer for more details on the specific areas and/or zip codes excluded. Not available in New York state, the Chicago or Baltimore metropolitan areas, and not available in all locations or for all property types. Loans subject to underwriting and eligibility criteria, and other factors. Your loan officer will provide you with more information regarding bank statement and 1099 loans and what may work best for your situation.
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NMLS ID# 400039.

Not all products are available for collateral located in all states or for all amounts. Other restrictions and limitations may apply.

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