No Tax Return Florida Mortgage Lenders

Mortgage Lenders In Florida That Do Not Require Tax Returns

In Florida, it is still possible to find Florida mortgage lenders that offer No Income, No Job, No tax return, No W2, No 1099, No Doc, No paystub, NO IRS Transcripts, No Checking account, No Bank Statement, Florida mortgage lenders. For example, Florida bank statement mortgage lenders allow you to average 3 or 12 or 24 months of bank statement deposits as qualifying income with no tax returns. These bank statement Florida mortgage lenders can be a great option for cash businesses or self-employed contractors that have been in business for less than 1 year self employed mortgage applicants who cannot show enough income and/or have NOT yet filed their Tax returns. 

No Tax Return Florida Mortgage Lenders Options:

No Tax Return Cash Out Florida Mortgage Refinance:

• Unorthodox Income: We work with self-employed, gig workers, freelancers, and small business owners to mortgage in all of Florida..
• Alternative Income: Use Assets, Bank Statements, 1099, W2, K1. Profit and Loss statements to qualify.
• Non-QM Mortgage: Private Florida mortgage lenders that do not use traditional income are called NON-QM mortgage lenders.
• NO Income mortgage: In addition, we have no income verification mortgage lenders that use credit, assets, and reserves with a good explanation. 
• Flexibility for Self-Employed: These alt-doc mortgage loans can be mixed and matched for borrowers with fluctuating or non-traditional income streams.

Unacceptable No Tax Return Income Includes:

• Educational benefits
• Food stamps
• Illegal income 
• Refunds, Reimbursements of federal, state, or local income tax

About Our No Tax Return Mortgage Lenders 

We have built strong relationships with a diverse network of wholesale no-tax return Florida mortgage lenders. This allows us to offer competitive rates and terms on no tax return Florida mortgage loans that are tailored to your situation. We take the complexity out of the process, delivering personalized service every step of the way. Whether you’re purchasing a new home, refinancing, or investing in real estate, our Florida mortgage lenders are here to assist you in navigating the no-tax return Florida mortgage process. 

No Tax Return Questions And Answers

• Can I buy a Florida home without tax returns? Yes. If you haven’t filed taxes, you can still get a mortgage with a No Tax Return Florida mortgage lender. These programs allow qualification based on bank statements, 1099s, CPA letters, or Profit and Loss statements instead of tax returns.
• Can you get a mortgage without showing tax returns? Not all Florida mortgage lenders require tax returns. To find Florida mortgage lenders that do not require tax returns, you’ll need to find one that offers non-QM loans or alternative documentation loans. We have a nationwide network of non-qualified lenders to find you the best deal.
• Can I get a mortgage if I didn’t file my taxes? Yes, there are still Florida mortgage lenders that don’t require tax returns to purchase a home.  Having unpaid taxes or unfiled tax returns will not prevent you from getting a mortgage as long as you meet all the other qualifications.
• Can you buy a house without a tax return? Yes, close loans every month with no tax returns as long as the borrower meets all other requirements. 
• Can I get an FHA loan without tax returns? FHA loans only require tax returns if you’re self-employed or more than 25% of your income comes from bonus or commission income.
• Can I get a mortgage if I don’t pay taxes? Yes, the borrower can use alternative ways to prove they can make their payments.
• Do Ninja loans still exist? NINJA loans (no income, no job, no assets). Generally speaking, NINJA loans do not exist. There are a few other programs that can approve borrowers on a case-by-case basis. 
• Do you need 2 years of taxes to buy a house? No, we have access to many lenders that will allow you to purchase or refinance a house with no tax returns. 
• Can I get a mortgage with no documented income? If you have income, you can get a mortgage.
• Do lenders verify tax returns with the IRS? There are many Florida mortgage lenders that do not verify income with tax returns.
• What is a Noni loan? Noni stands for “Non-Owner, No-Income”, a Noni business-purpose loan designed for rental properties, usually 1-4 units. A NONI, also known as a DSCR (Debt Service Coverage Ratio) loan, uses solely the property’s income to qualify instead of the borrower’s income.

No Tax Return Florida Mortgage Lenders Covering All Florida Including: