In summary, there are 5 ways to get approved without tax returns …

• Personal Bank Statement Loans
• Business Bank Statement Loans
• Profit and Loss Only Mortgages
• Wage Earner (traditional)
• Cash Flow Mortgages

For all options listed (except #4), these are a type of Non Qualified Mortgages or NON -QM loans which are designed to meet the needs of unique mortgage Application scenarios.

If you have been told you do not qualify due to the way your income is shown, I invite you to reach out.

I have been able to help many borrowers who were told by other lenders that they don’t qualify. If I cannot help, I will point you in the right direction at the very least.