LOANS WITHOUT TAX RETURN REQUIREMENTS

We have many exciting loan products designed specifically for self-employed borrowers like you. You can purchase or refinance a home. Without providing a single tax return.

SELF-EMPLOYED? CALL +1 321-239-2781

SELF-EMPLOYED BORROWERS DON’T FIT INSIDE THE BOX

Most traditional banks require full documentation of income, including tax returns, W2s and paychecks.

However, self-employed individuals typically don’t have W2s or paychecks. And, their tax returns generally don’t show steady, consistent income.

Self-employed borrowers also have trouble satisfying traditional underwriting guidelines when it comes to debt-to-income ratio (DTI) and credit score requirements.

WE HAVE OUTSIDE-THE-BOX CREATIVE PROGRAMS

We are not a traditional bank. As a mortgage broker with a network of creative, non-QM lenders, we have access to programs designed just for self-employed borrowers. No tax returns, W2s or paychecks required.

Not all roads to the closing table require tax returns. Here are some examples of the different paths you can take:

Bank Statements: You provide at least 12 months of personal or business bank statements. Your income is calculated from the deposits to your bank account.

Profit & Loss Statement: You provide a P&L covering at least the last 12 months. Some lenders will even accept a self-prepared P&L, as opposed to one prepared by a CPA.

CPA, Accountant, or Tax Preparer Letter: Perhaps most creative of all, you can qualify by simply providing a letter stating your title, ownership percentage, and business inception date. No statement of income required.

Questions about loans for self-employed borrowers?

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