Loan Program
1-Year Tax Return
Less History. More Possibility.
Most lenders require two years of tax history. For borrowers whose business is newer or whose income is growing rapidly, one year is all we need.
Who It's For
Is this the right program for you?
- i.Business owners who have been operating for 1 to 2 years
- ii.Borrowers whose income grew significantly last year compared to prior years
- iii.Self-employed individuals who lack a two-year history but have strong recent returns
- iv.Entrepreneurs transitioning from employment to self-employment
- v.Borrowers whose second-year income is dramatically higher than the first
Requirements
| Credit Score | 640 minimum |
| Max LTV | Up to 85% |
| Down Payment | 15% minimum (primary) |
| Documentation | One year of federal tax returns (personal and business) |
| Property Types | Primary residence, second home |
The Process
01
Application
Submit your basic information and program interest. No credit pull at this stage.
02
Review
Nick reviews your scenario and reaches out within one business day to discuss your path forward.
03
Close
Most non-QM loans close in 20–30 days. We coordinate with title, appraisal, and underwriting on your behalf.
Find out if you qualify
Take the 2-minute quiz or apply directly.