1 Year Tax Returns Program

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If you are self-employed and your income fluctuates, we offer a loan program that requires only 1-year tax returns. Non-occupant co-borrower OK! Minimum FICO of 620 and closing credit card accounts are not required.

Eligible Transactions:

  • Purchase
  • Rate & Term (Limited Cash-out) Refinance
  • Cash-out Refinance

Yes… 1 Year Tax Returns For Self Employed Borrowers

Yes… Freddie Open Access

Yes… Non Occupant Co-borrowers Ok!

Yes… Cash Out On High Balance Loans Down To A 620 Fico

Yes… Not Required To Close Out Credit Cards At Closing

Don’t Forget To Ask About Our W2 Transcript Only Product