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Self Employed Loans with No Tax returns

We have a variety of exciting loan options created just for borrowers like you who are self-employed. A home can be bought or refinanced. with no tax returns being provided.

Are you self-employed? You are not alone!

Nearly 10 million people in the United States are self-employed, and this figure is expected to rise by nearly 8% in the coming years. If you’re self-employed, you’re aware that things work slightly differently for you than for people with traditional W-2 jobs. Your income stream is distinct, as is your tax situation. When it comes to going through the mortgage process and purchasing a home, things may be different for a self-employed person as well.
The good news is that buying a home while self-employed is possible. In fact, if you have good or excellent credit and can demonstrate a consistent source of income, you may find the best mortgage loan options.

Self Employed Struggle for Loan with Tradition Banks.

The majority of conventional banks demand complete proof of income, including tax returns, W2s, and paychecks. However, self-employed people typically don’t receive paychecks or W2s. Additionally, their tax returns typically don’t show a consistent stream of income. When it comes to the debt-to-income ratio (DTI) and credit score requirements, self-employed borrowers struggle to meet conventional underwriting guidelines.

Dream Home Mortgage have Creative solutions for self employed

We aren’t your typical bank. We have access to programmes made specifically for borrowers who are self-employed because we are a mortgage lender. No W2s, tax returns, or pay stubs are necessary.
Why Dream Home Mortgage We are operating in 50 states in the USA .


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Checklist for Self-Employed Mortgage

To be eligible for an RHS loan, applicants must fulfill several requirements, including:
What You Must Have When Applying for a Mortgage

A lender will require a fair amount of documentation before approving you for a home loan, whether you choose a government-backed loan, a bank statement loan, or a conventional mortgage. You will need to show the following documents to a mortgage lender: If you have them, you must file business and personal tax returns. Your lender will look at your net business income to determine your eligibility. Depending on your length of self-employment, you may be required to provide at least one or two years of returns.

List of current debts and monthly payments

If you have any additional debts, you must notify your lender, including how much you pay toward your debt each month. Having additional debt can reduce the amount of mortgage you are eligible to receive. If you apply for a bank statement loan, you may be required to provide up to 24 months of bank statements. Even if you use your tax returns to verify your income, your lender will most likely request at least one month's worth of bank statements.

Asset Declaration

Lenders will also want to see proof that you have enough money for a down payment. When applying for a mortgage, you may be required to submit a list of your assets, including money in savings and investment accounts.

Additional sources of income

If you have additional sources of income, such as alimony, Social Security, or job income, your lender may want to see it, especially if it will affect your eligibility.

Evidence of current housing payments

You may be required to provide canceled checks or other proof of payment for your current mortgage or rent to your lender.

Verification of your business or employment

Simply stating that you are self-employed is insufficient. A lender will frequently request proof. A business license, membership in a professional organization, letters from clients, or a statement from your accountant can all serve as proof.

What Lenders Look for in Self-Employed Loan Applicants

A few things that will make your application more appealing and more likely to be approved include:
Good or Excellent Credit

If you're a self-employed person looking to buy a house, the better your credit score, the better. An excellent credit score is over 800, while a good credit score is over 670. A lender can tell that you have a history of making payments on time, avoiding taking on excessive debt, and using credit responsibly by looking at your good to excellent credit score.

Stable Income

Your business or self-employment history should, for the most part, be positive. A lender wants to see evidence of your consistent income over the years as well as some indication that your income has increased over time. Your ability to be approved or the amount of the loan you qualify for may suffer if your income has decreased recently. This can be a red flag or cause for concern for a lender.

Money in the Bank

Lenders might also want to see that you have a cash reserve you can use if times get tough in addition to the down payment you are using. You may be more appealing as a borrower if you have a sizable emergency fund set aside, such as several months to a year's worth of mortgage payments.

Steady Work

An individual who works a full-time, salaried or hourly job typically rises and leaves for 40 hours per week. Although it can be a little more challenging to quantify self-employment work, a lender generally wants to see evidence of your ability to find consistent employment. You can prove to a lender that you have steady employment in a few different ways. If you have been working for yourself for a while, your tax returns may be sufficient evidence.

Ample Down Payment

As a self-employed person, you don't have to put down 20% to get a mortgage and a house. However, having a bigger down payment available may increase your chances of being accepted. In general, those with a 20 percent down payment are viewed as less risky than those with a five or ten percent down payment.

Minimal Additional Debt

Ideally, you won't be a self-employed person who has a lot of debt when you start the mortgage application process. Your debt-to-income ratio, which compares your monthly debt payments to your monthly income, should be low. Ordinarily, a debt-to-income ratio of 43 percent is the maximum that is acceptable when applying for a mortgage. You might want to aim for an even lower percentage if you're self-employed and have a variable income.

We specialize in lending to self-employed individuals.

Are you ready to find out what type of mortgage is best for you or whether you qualify for a mortgage as a self-employed person? Dream Home Mortgage can assist you. We can help you find the right mortgage and walk you through the entire process from start to finish. Dream Home Mortgage,An Equal Housing Lender, a Division of Brazos National Bank, is committed to providing affordable mortgages with superior customer service. Contact a member of our team immediately at (972) 245-5626 to initiate the first-time homebuyer financing process with our trained staff.Please send your inquiry to


This website’s content is only presented for informational purposes. Programs, rates, and terms are all subject to change without prior notice. Loan approval is based on the borrower’s credit, collateral, financial history, eligibility for the programme, and other variables that are subject to change at any time. Other limitations might be present. This is not a request for a loan.Dream Home Mortgage NMLS#334616 Brazos National Bank NMSL#473879 | | Equal Housing Opportunity