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1-Year Tax Return Florida Mortgage Lenders

Are You Self-Employed or a Business Owner and looking for a 1-year trax return Florida Mortgage Lender?  Our  1-Year Tax Return mortgage for Self-Employed Florida Business Owners as well as those whose employment histories and tax returns may not reflect their qualifying income for the most recent 2 years.

1-Year Tax Return Self-Employed Florida Mortage

  • Must be a business owner/self-employed for a minimum of 5 years with documentation
  • Credit scores down to 620
  • Last 6 months Bank Statements
  • Year to Date P & L 
  • [ Minimum 20% down payment ] Up to 80% Loan to Value 
  • Primary, Secondary, and Investment properties eligible
  • SFRs, townhomes, condos, 2-4 units
  • 30-year fixed
  • 5 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu

No Tax Return Florida Mortgage Alternatives Include: 

 We provide a variety of specialty Alternative Florida mortgage programs including:

Florida mortgage lender’s 1-year tax return automated underwriting will issue a message permitting only one year of personal federal tax returns if the loan application indicates the borrower is

  1. Self-employed with an ownership share of 25% or more,
  2. The Start Date for all self-employed businesses is at least (5) five years prior to loan submission.

If any of the borrower’s self-employed businesses have a Start Date of less than five years, conventional mortgage lenders will require two years of personal tax returns. DU will issue a separate message listing the requirements for business tax returns for all self-employed businesses, specifying that one- or two years of tax returns are required based on the number of years the business has been in existence.

MINIMUM CREDIT SCORE

PORTFOLIO

NO MIN FICO SCORE 

NO TAX RETURN

350 MIN FICO

FHA/VA

500 MIN FICO

CONVENTIONAL

620 MIN FICO

CALL NOW!

954-667-9110

Apply Now!

All Information Subject To Change