can i get a home loan without a tax return?

Asked by Shawna, Monrovia, CA Mon Nov 23, 2009


Jenny A. Le, , California
Mon Nov 23, 2009
As a consumer you can get anything you want. So I caution you to proceed with careful research of your options.

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.
1 vote
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Flag Sun Apr 28, 2019
can you give me contacts of lenders that do not require tax returns
Flag Wed Nov 18, 2015
can you give me contact names of lenders that do not require tax returns please?
Flag Wed Nov 18, 2015
can you give me contacts of lenders that don't require tax returns?
Flag Wed Nov 18, 2015
Ron Beebe, Mortgage Broker Or Lender, Downingtown, PA
Mon Nov 23, 2009
Danny hit the nail on the head. What type of employ are you under? If it is anything other than W2 you would need the tax returns. Another issue typically uncovered is if you earn more than 25% as commission as this will also require full tax returns. Hope that helps.
Web Reference:
1 vote
Bentley Advi…, , San Mateo, CA
Mon Nov 23, 2009
If you're a salaried employee, you are typically not req'd to produce tax returns to qualify. In lieu of tax returns, you will need to provide W2s for the past 2 yrs. However, most lenders are now also requiring an executed IRS Form 4506-T which authorizes them to pull electronic transcripts of previous 2 yrs tax returns to verify income w/ what was provided on the loan app.
1 vote
Emily Knell, Agent, Long Beach, CA
Mon Nov 23, 2009
I believe it is possible. Although banks are way more conservative these days, there are still loans available like their were at the height of the market. They are just more difficult to get, requiring higher FICO scores & much larger down payments.

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: (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.
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