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Real Estate Lenders / North American Savings Bank
Public provider profile, checked 2026-08-20

North American Savings Bank

Bank and direct lender. National with exclusions. Published company identifier: NMLS 400039.

Official DSCR pageVerify in NMLS
Bank and direct lenderprovider model
700 published requirementpublished minimum credit
1.0published minimum DSCR
Up to 80% for long-term rentalspublished purchase LTV

Provider identity

Public brand
NASB
Legal name
North American Savings Bank, F.S.B.
Company ID
NMLS 400039
Model
In-house underwriting, processing, and closing
Coverage
Not available in New York, the Chicago metro, the Baltimore metro, or all locations and property types.

Published program

Loan range
$200,000 minimum; maximum not published
Terms and purpose
Fixed-rate long-term and short-term rental programs
Short-term rental
Published as supported
Foreign national
Not published
Entity vesting
Published as supported
First-time investor
Not published

Eligible property types published

1 to 2 familyWarrantable condoLong-term rentalShort-term rental

What stands out

  • Does not broker the loan
  • No prepayment penalty
  • In-house underwriting and closing

Sources and limits

The official page contains some inconsistent credit and DSCR language across its feature table and FAQ. Confirm the exact written guideline for your scenario.

Checked 2026-08-20. Public product pages can lag current underwriting. Ask the provider to identify the legal lender, confirm property-state authority, and put all terms in writing.

Compare this provider correctly

Send the same property address, loan amount, credit range, rent documentation, and reserve estimate to at least three providers. Compare rate, total points, all fees, prepayment penalty, cash to close, and the DSCR calculation on the same day.

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Educational only. Not financial, legal, or tax advice. Big Brain Funding is not a lender or broker of record. This profile is not an endorsement, rate quote, approval, or offer to lend. Verify licensing, coverage, and current program details directly.