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NASB Review

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BestMoney Staff
Bestmoney Staff
Jun. 18, 20214 min read

NASB summary

North American Savings Bank offers a unique range of mortgage products including fixed-rate and adjustable conventional loans, FHA loans, VA loans, refinances, and a unique financing program for the purchase of rental real estate with an IRA.


  • Large selection of products
  • Caters to unique situations
  • Entire application done online


  • Charges payment fees to non-NASB accounts
  • No physical branches outside Missouri
NASBat a glance

Editorial score

Customer Service and Support

Good customer service


Variety of Loan Types

purchase, jumbo, FHA, VA, IRA non-recourse


Variety of Products

15- 30-year fixed rate, 10- 15-20- IRA non-recourse


Online Experience

Access to learning materials and rates


Geographical Availability

Licensed in all 50 states




NASB was founded in Kansas City, Missouri in 1927, and continues to offer loans through 11 branches in Missouri and through its online portal to borrowers from around the United States.

Suitable for?

NASB specializes in tailoring mortgages to the following types of borrowers:

  • Active and former military personnel and their relatives can apply for a VA loan.

  • Anyone who has at least 30-40% of the purchase price vested in a self-directed IRA can apply to buy a rental property with an IRA non-recourse loan.

  • People with poor credit or other tough financial circumstances can apply through NASB for an FHA loan or for a non-conforming loan.

Loan Features

North American Savings Bank offers conventional and non-conventional loans to suit different personal and financial circumstances. Customers benefit from the following features:

  • No origination fees for certain loan types (such as VA and FHA loans), although there is a 1% origination fee for other types (such as IRA non-recourse loan).

  • No lender fees for certain loan types.

  • In-house processing and fast closing times.

  • Dedicated loan officer who can tailor your loan to your situation.

  • Online application for residents of all 50 states, or in-branch application for Missouri residents.

The Application Process

North American Savings Bank

The application process varies between the different types of loans. As a general rule, NASB is quicker to approve borrowers than the average lender. Pre-qualifying can be done online or over the phone, and usually takes just a few minutes. For a conventional loan, NASB will then ask you for the following in order to decide if it can offer you a loan:

  • Copy of driver’s license, passport, or state ID card.

  • Pay stubs for most recent 30-day pay period.

  • Bank statements for past 2 months

  • W-2 IRS forms for last 2 years.

  • Purchase agreement for the home you are buying.

  • Copy of cleared deposit check.

  • Contact information of title company handling settlement, if not in contract.

  • Contract information of homeowner’s insurance company.

  • E-signature on loan application documents.

Pros and Cons

North American Savings Bank excels at tailoring programs to people in unique financial situations. It’s one of the few lenders in the country to offer a program enabling IRA account holders to use their IRA to purchase rental properties. With its non-conforming loans, it’s also one of only a handful of lenders to go out of their way to provide a space for people with very poor credit or with a recent history of bankruptcy or short sale to find a way back into the housing market.

Perhaps the main downside to NASB is that it doesn’t offer real-time information about rates and APRs unless you fill out a short online form and include your contact details. NASB doesn’t have physical branches outside Missouri, although this isn’t such a big deal given it offers home buyers from around the country the chance to conduct the entire application online and by phone.

Loan Terms – The Bare Basics

North American Savings Bank offers the following types of loans:

  • Conventional fixed-rate and adjustable-rate loans: These are open to qualifying home buyers who are able to put at least a 20% down payment on their home.

  • Jumbo loans: For loans of around $500,000 or more (depending on the borrower’s location), with stricter application requirements.

  • VA loans: Open to service members, veterans, and surviving spouses who wish to buy, build, repair, retain, or refurbish their primary residence. The federal government’s Department of Veteran Affairs guarantees up to 25% of the loan, ensuring the borrower gets favorable rates.

  • FHA loans: Designed for people who have poor credit or are cash-strapped, this federal-government backed loan helps borrowers secure a mortgage for as low as a 3.5% down payment.

  • IRA non-recourse loans: NASB is one of the few lenders in the country to offer this type of loan, which is designed to assist anyone who has at least 30-40% of the purchase price vested in a self-directed IRA to buy a rental property. The IRA account holder is not personally liable for repayment of the loan. In the event of default or foreclosure, NASB can only use the property as a source of repayment and cannot pursue other assets owned by the account holder or IRA.

  • Non-conforming loans: These are for people who have unusual financial circumstances, such as a credit score of 640 or less, recent completion of a short sale, recent filing for bankruptcy, ownership of more than 5 properties with mortgage loans, or substantial investment assets or savings with little or no monthly income.

Repayment Terms

Loan terms and APRs vary for the different types of loans on offer. For example, conventional fixed-rate loans are offered over 15-year or 30-year terms. IRA non-recourse loans are offered for 10-year, 15-year, or 20-year terms. VA loans and FHA loans are available for terms of up to 30 years.

Help & Support

To speak to a loan officer, call 855-465-0753 between business hours, request a call from a loan officer at a time convenient to you, or contact one of NASB’s loan officers directly. To enquire about IRA lending, call 866-735-6272 during business hours or email NASB. The online feedback for North American Savings Bank’s mortgage is overwhelmingly positive, with customers praising loan officers for attention to detail and their willingness to go the extra mile for them.


North American Savings Bank specializes in solutions for military veterans, real estate investors, and home buyers who are unable to find a lender due to unique financial circumstances, first-time buyers and non-conforming buyers.

Physical Address

North American Savings Bank

12498 S. 71 Highway

Grandview, MO 64030

BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

PoorReviews 8
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See what some costumers are saying about NASB
PoorReviews 8
  • author
    Apr 08, 2022
    They know ur a weak lil guy bro even if…

    Your female staff know ur a weak lil guy bro even if they dont tell you..woman know the never wanted me there becuz you have a problem with my culture but i was there cuz i cud do what u cudnt there 2 months after you and after the last mgr had the same problem with the last black security guy .take a look in the mirror and ask urself how ur wife really feels about you..Nuff said..


  • author
    Nov 09, 2021

    I love banking with First Republic. It's the most personalized service you can get anywhere. If you ever visit a branch a banker will sit down with you and take care of everything you need. An exceptional experience.


  • author
    Amy Smith
    Feb 23, 2021
    I have been with First Republic Bank…

    I have been with First Republic Bank for over 5 years staring out with a regular checking account, then a mortgage and then working with their wealth management group. Extremely pleased.


  • author
    Feb 02, 2021
    So disappointing

    So disappointing. I'm a second-generation FRB customer. My parents had financed several properties through the bank and had all personal and Trust banking with them. I continued to keep personal and Trust business with them, but my business is less complex and they've been seriously error-prone of late. Getting help from so-called "personal bankers" has been a struggle. Low-level newbies go missing and don't reply to requests for help. They don't use OOO email for clients so you're left hanging. I'm exhausted trying to fix their latest back-office generated error and doing it without good help. I'm getting shunted from one "personal banker" to the other. It feels like "fake" private banking. Bottom line: Feels like FRB isn't investing in keeping legacy customers. People, you can't keep my funds or my business with cookies and orchids. I need service, and help and error-free banking. I wish I could rely on you guys... lean on you, work with you. But this has been a one-way love story for too long. Sadly, I think it's time for me to move on and bank elsewhere.


  • author
    Arseny Alexander
    Dec 15, 2020
    Best non-private bank, hands down

    Been with these guys for two decades. Best basic services & business services. Easy team. They know when I call the branch by my voice (since I call from various phones - but they do redo authorization for safety). Highly recommend for basic banking.


  • author
    Lauren R
    Nov 21, 2020
    Best Bank Ive ever joined

    Best Bank Ive ever joined. I plan on being part of the family bank forever. Super kind staff and customer service makes all the other parts of business work... Robert and Sue are very helpful at the California street location in San Francisco; is a wonderful location


  • author
    Jul 17, 2019
    I was looking into refinancing my…

    I was looking into refinancing my student loans. I filled out their online information and they said I should qualify. They put me in touch with a banker, but when I tried to schedule an appointment they had nothing available. I called my local branch two times and didn't receive a call back. I finally got a call from them and while the banker was awesome it turns out that while I initially qualified they also end up looking at your liquid savings as well. While I find nothing wrong with that, I feel like it was hidden information and I feel deceived by the initial advertisement on their website.


  • author
    Phil E
    Jul 14, 2019
    Online banking is awful

    Online banking is awful. Wouldn't recommend it for corporate banking.


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