Direct lenders (such as BofA, Wells Fargo, Citi Bank, etc.) require the following:
1. 2007 and 2008 full tax returns to pre-approve
2. IRS Form 4506-T to close the loan
3. if self employed, recent business tax returns, profit & loss statements, and 1099s
While non-tax return lenders still exist, they will charge HIGH FEES and HIGH INTEREST RATES to protect their risks of their inability to verify the borrower's income. Many of these type of loans were made during the real estate boom and many of them are currently in short sale or foreclosure status.
I am not a loan broker and I suggest you speak with one, my lender has been in the biz 30yrs, you can send her an email, she is usually quick to respond: ASpellman@StratisFinancial.com (Arlene Spellman)
The keywords you want to ask her about are "NO DOC / LOW DOC loans" Also "NO INCOME VERIFICATION OR ASSET VERIFICATION LOANS"
Again, these loans still do exist, but you're going to be bringing in a Hefty down payment, maybe as high as 30%. I am unsure about FICO score minimum, just ask Arlene about it.