Loan Programs that Do Not Require Form 4506-T

Self-employed folks who write off their business expenses should not be expected to provide their tax returns to qualify for a home loan. If a W-2 employee has the chance to obtain mortgage credit, so should self-employed business owners. Non-Qualified Mortgage (Non-QM) lenders make this possible. Learn your options. See below for some examples of what is available.

Loan programs that do not require tax returns or Form 4506-T. At any time before the approval, during escrow or after closing will a 4506-T form be executed. Below are some examples of these loan programs.

 

Title Modified Date
24 Months Bank Statements Business or Personal 06 January 2019
90% LTV - $1,500,000 - 4 Months Reserves 04 December 2018
90% LTV - 12 Months Bank Statements 27 December 2018
Alternative Income Documentation Jumbo Program 04 December 2018
Asset Depletion Program to 2 Million 04 December 2018
Asset Depletion Super Jumbo Mortgage 06 January 2019
Asset Qualifier Jumbo Loan 04 December 2018
Bank Statement Loan 580 Credit Score 04 December 2018
Bank Statement Loan 600 Credit Score 04 December 2018
Bank Statement Super Jumbo Loan 04 December 2018
Bank Statements - Interest Only - Jumbo Mortgage 09 January 2019
Business Purpose Mortgage Loan 04 December 2018
Hard Money 5 Million Owner Occupied 04 December 2018
Hard Money Super Jumbo Florida 04 December 2018
Investor Loan - No Doc 04 December 2018
Investor Purchase Loan Program 04 December 2018
Jumbo Bank Statement Loan 2 Million 07 December 2018
Jumbo Hard Money to 3 Million 80% LTV 04 December 2018
No Income No Asset Verification 04 December 2018
No Seasoning Requirement for Short Sale or Foreclosure 04 December 2018
Non-Prime Bank Statement Loan 26 December 2018
Non-QM Low Doc Jumbo 06 January 2019
Non-Qualified Mortgage (Non-QM) Jumbo Program 04 December 2018
Portfolio Jumbo - Stated Income 04 December 2018
Portfolio Jumbo Low Doc - 1 Year P&L Statement Only 04 December 2018
Private Money 70% LTV 04 December 2018
Stated Income / Verified Assets 680 Credit Score 2 Million 04 December 2018
Stated Income / Verified Assets Super Jumbo 04 December 2018
Stated Income Jumbo 740 Credit Score 06 January 2019
Stated Income Jumbo Construction Loan 1 Million 04 December 2018
Stated Income Verified Assets Owner Occupied Jumbo 04 December 2018
Stated Income Verified Assets to 70% LTV Owner Occupied 04 December 2018
Super Jumbo Bank Statement Program 04 December 2018
True No Doc Home Loan 04 December 2018