Instead of loans without tax returns, most traditional banks require full income documentation, including tax returns, W2s, and pay stubs.
However, self-employed individuals, freelancers, and business owners often don’t have W2s or traditional paychecks. Their tax returns may not accurately reflect their true income, making it difficult to qualify for a traditional mortgage.
If you’re looking for a self-employed mortgage in Florida, you may struggle with:
The good news? No tax return mortgage loans do exist! These loan programs allow borrowers to qualify using alternative income verification, such as:
No tax returns? No problem! Keep reading to see how you can get approved today.
Learn more about Bank Statement Loans, Investor Mortgage Options, and other options for Self-Employed Borrowers.
Getting approved for a home loan without tax returns comes with major benefits. Here are three key advantages:
Why wait months for your CPA to complete your latest tax return?
Instead of delays, you can qualify for a no tax return mortgage using:
This means you can close on your home faster—without the tax return paperwork hassle!
Under a traditional mortgage, lenders require at least 24 consecutive months of steady income through tax returns.
With a No Tax Return Mortgage, you only need:
This makes it easier for self-employed borrowers and business owners to qualify!
Traditional mortgage lenders analyze pages and pages of tax returns, looking for red flags.
With a No Tax Return Loan:
This relaxed approach makes it easier for non-traditional borrowers to get approved!
Not all roads to homeownership require tax returns! As a mortgage broker, not a traditional bank, we work with non-QM (Non-Qualified Mortgage) lenders who offer flexible financing options for self-employed borrowers.
No tax returns, W2s, or paychecks required—just alternative income verification!
Here are some mortgage options available for self-employed buyers and investors:
Best for: Self-employed borrowers, freelancers, and business owners.
To qualify for a No Tax Return Home Loan, provide at least 12-24 months of:
This is ideal for those with inconsistent tax filings but steady bank deposits.
Best for: Business owners or independent contractors with well-documented finances.
This option provides flexibility for entrepreneurs who keep detailed financial records.
Best for: Business owners with established companies but without formal tax return documentation.
A simple letter from your CPA, accountant, or tax preparer stating:
This is one of the easiest ways to qualify for a mortgage without tax returns.
At DAK Mortgage, we specialize in helping self-employed borrowers, business owners, and real estate investors secure home financing—without tax returns.
Here’s how we’ve helped real clients overcome lending challenges with creative mortgage solutions:
The Challenge:
The Solution:
Result: He successfully secured a $2 million mortgage and closed on his luxury condo.
The Challenge:
The Solution:
Result: He successfully expanded his rental portfolio without needing to provide tax returns.
The Challenge:
The Solution:
Result: He secured financing for his dream home—even with limited self-employment history.
At DAK Mortgage, we specialize in helping self-employed borrowers, business owners, and real estate investors qualify for a mortgage without tax returns. We understand that not everyone has two years of tax returns to prove their income—but that shouldn’t stop you from buying a home or refinancing. Our No Tax Return Mortgage programs provide a hassle-free way to qualify using:
If traditional banks have turned you away, we’re here to help!
Yes. No Tax Return Mortgage programs allow self-employed borrowers, business owners, and investors to qualify using alternative income verification such as bank statements, a Profit & Loss (P&L) statement, or a CPA letter.
Instead of tax returns, lenders may require 12-24 months of bank statements, a self-prepared or CPA-certified Profit & Loss (P&L) statement, or a letter from your accountant verifying your income and business details.
Self-employed professionals, freelancers, real estate investors, independent contractors, and small business owners often qualify for No Tax Return Mortgage loans. These programs are designed for borrowers with non-traditional income.
Traditional lenders verify tax returns and request IRS tax transcripts. However, Non-QM lenders offer home loans without requiring tax returns, allowing alternative income documentation such as bank statements or P&L statements.
Yes. If you haven’t filed taxes, you can still get a mortgage through a No Tax Return Home Loan. These programs allow qualification based on bank statements, CPA letters, or P&L reports instead of tax returns.
