No Tax Return Loans

Not having a tax return does not mean you can’t become a homeowner. You have options! Let’s look at how you can purchase or refinance a home without a tax return.

Save money with a lower interest rate.

Lock in your rate today before they rise.

Most Popular No tax Return Mortgage Programs

With no tax return mortgages, we minimize documentation to make the mortgage or refinance process easier and more straightforward.  

These are the most common scenarios we work with to get our borrowers who do not have tax returns approved for a mortgage:

  • Wage earner – With this type of loan, the borrower would only need to submit a W2 and a pay stub in order to be approved for a mortgage.
  • Bank statement loan – This type of loan is best for independent contractors or business owners. We’ll look at your bank statements to determine if you can qualify for a mortgage.
  • Cash flow mortgage – This is a good option for real estate investors who are turning a profit on their rental units.

Every borrower is different; to know which scenario would be best for you, give Home Loans a call. We’ll ask you some questions about your income and your real estate goals to determine the best loan program for you.