A no tax return mortgage is designed for self-employed individuals, business owners, freelancers, and real estate investors who don’t have the traditional income documentation that most lenders require.
At Masihi Financial, we understand that tax returns don’t always reflect your true earning potential. That’s why we offer flexible mortgage solutions that don’t require you to submit your tax returns to qualify.
What Is a No Tax Return Mortgage?
If your cash flow is strong but your tax write-offs make your income look lower on paper, this loan option may be a perfect fit.
A no tax return mortgage is a home loan that allows you to qualify without providing your full tax return history. Instead, we use alternative documentation—like bank statements, 1099s, or profit and loss statements—to verify your income.
Who Is a No Tax Return Mortgage For?
This type of mortgage is ideal if you fall into one of these categories:
-Self-employed borrowers with high deductions
-Business owners with fluctuating income
-Gig workers, freelancers, or consultants
-Real estate investors
-Retirees with non-traditional income sources
Traditional lenders might turn you away. We look at the bigger picture—your income, assets, and ability to repay.
Benefits of a No Tax Return Mortgage
-No tax returns required – Skip the W-2s, 1040s, and IRS hassle.
-Use bank statements or 1099s to prove income.
-Flexible underwriting for real-life financial situations.
-Fast approval process – Get pre-qualified in as little as 24 hours.
-Purchase or refinance options available.
Whether you’re buying your first home, upgrading, or refinancing, we tailor the loan to your financial profile.
How It Works
Step 1: We review your financial picture using alternative documentation like:
-12 to 24 months of personal or business bank statements
– & Loss statements
-1099 forms
Step 2: We match you with a loan program that suits your situation, including fixed-rate or interest-only options.
Step 3: You close on your home without ever sending us your tax returns.
Why Work With Masihi Financial?
We specialize in smart, non-traditional mortgage solutions for clients who don’t fit the standard borrower box. Our team takes a consultative approach to help you navigate the process and secure the best rate possible.
Whether you’re looking for a no tax return mortgage, an interest-only loan, or a bank statement loan, we have the experience to guide you home.
Start Your No Tax Return Mortgage Today
You deserve a lender who sees the full picture, not just your paperwork. If you’re ready to explore a no tax return mortgage, contact us today or fill out our quick quote form below.
Let’s find the loan that fits your life, not the other way around.