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Why NASB for your Home Mortgage?

In short, EXPERIENCE and SERVICE.  For 85 years, North American Savings Bank (NASDAQ:NASB) has been a full-service bank providing an array of financial solutions to our customers, including residential mortgage lending.  As a full service bank, our focus is much more than one transaction -- our goal is to provide a level of service that will keep you coming back for all of your future banking and lending needs.  We want to exceed your service expectations with the hope you will refer NASB to the people you care about.

NASB is based in suburban Kansas City, Missouri.  In addition to being one of the largest locally based savings institutions in the state, we are also a leading nationwide mortgage lender, providing home loans in all 50 states and the District of Columbia.  At NASB, we offer our customers the best of both worlds -- complete services of a nationwide real estate lender, while providing the personal service of a community bank.

Click to expandMORTGAGE PROGRAMS

NASB offers the best available residential real estate loan products in the industry, including FHA, VA and Jumbo loan programs. Whether you are looking to purchase a new home or to refinance a current loan, one of NASB’s certified Loan Consultants will assist you in finding the best loan option for your personal situation.

Conforming Loans
A Conforming Loan is a mortgage loan that conforms to government-sponsored guidelines.  The term "conforming" specifically refers to the loan amount.  The Federal National Mortgage Association ("FNMA"), also known as, Fannie Mae, and the Federal Home Loan Mortgage Corporation ("FHLMC"), also known as, Freddie Mac, are the government agencies that set this limit.  The current loan limit is $417,000.  If you borrow an amount less than or equal to $417,000, your loan will be considered "conforming" since you will be conforming to the FNMA and FHLMC guidelines.  Please contact one of our certified Loan Consultants to discuss your personal situation. 

VA Loans
Veteran Administration ("VA") loans are guaranteed by the Department of Veterans Affairs, to assist our Veterans of military service with 100% financing for the purchase or refinance of their homes.  Interest rates are comparable to conforming fixed rate loans, requiring no lender fees or points, and Veterans may obtain financing through NASB in all 50 states. 

FHA Loans
A Federal Housing Administration ("FHA") loan is a loan for residential real estate guaranteed by the Department of Housing and Urban Development (HUD).  The FHA permits loans up to 96.5% of your purchase price and 97.75% of the value of your home for a streamlined refinance, or up to 95% of the value of your home for a cash-out refinance. Loan limits are set by individual counties in each state. 

FHA loans permit flexible qualifying guidelines with rates and fees that are comparable to those of a conforming loan.  NASB offers Adjustable Rate and Fixed Rate loans in all 50 states. 

Jumbo Loans
A Jumbo Loan is a loan amount greater than $417,000, which is the limit set by Fannie Mae and Freddie Mac. The qualifying guidelines for Jumbo mortgages can be strict, so be sure to contact one of our certified Loan Consultants to discuss your personal situation. 

Refinancing
Refinancing refers to the replacement of an existing mortgage loan with a mortgage loan under different terms.  In other words, when you refinance, you pay off your existing mortgage and create a new one.  You might consider refinancing your current mortgage for the following reasons:

  1. To take advantage of a lower interest rate (a reduced monthly payment)
  2. To reduce the repayment term (number of years remaining on your loan)
  3. To reduce risk or increase security (i.e. switching from an adjustable-rate mortgage to a fixed-rate mortgage)
  4. To free up cash (take out equity)

Please contact a certified NASB Loan Consultant to get information that can help you decide if refinancing will meet your needs.

Click to expandOUR LENDING PROCESS

NASB combines traditional values and decades of knowledge with advanced technology. 
The result:  An exceptional experience for you!

We utilize our decades of experience, combined with the most advanced technology available, to guide you effortlessly through the home financing process.  In addition, understanding that excellent customer service is based on treating you the way we would want to be treated is why we're confident you'll be pleased with your NASB experience. 
Follow this 3-step process to secure your loan:

Step 1:  Consultation, Application and Disclosure
We listen to your needs, and then make recommendations on the best programs and rates available for your personal situation.  We ensure you remain fully educated and informed throughout the entire process.  Working with one of our certified Loan Consultants, you will fill out a loan application.  We will provide you with the required legal disclosures and start guiding you through the application submission process.  A home appraisal and title work will be ordered by NASB on your behalf. 

Step 2:  Document Gathering, Processing and Underwriting
Once your signed disclosure and application documents are received, they are combined with your completed appraisal and title work, and your file is prepared for submission to Underwriting.  During the underwriting process, we review your file to verify all statements are supported, the property value is validated, and the title is clear.  If necessary, any additional underwriting requirements are addressed, and once approved, a closing time is scheduled. 

Step 3:  Congratulations!!  It's time to close your loan
With processing and underwriting completed, you're now ready to close your loan and sign final documents at a local title company.  If you are purchasing a home, your loan will be funded the same day.  If you are refinancing, the funds will be disbursed on the 4th business day after the loan closes. 

Click to expandCONTACT US

Your certified NASB Loan Consultant can help you choose the Home Mortgage financing solution that best fits your individual needs.

To contact a certified NASB Loan Consultant...
Call
MON - FRI: 7:00 am - 7:00 pm CST
1-866-627-2988
E-mail apply@nasb.com
Mail

North American Savings Bank, FSB
903 E. 104th Street
Suite 400
Kansas City, Missouri 64131

NASB websites www.nasb.com