1‑YEAR TAX RETURN LOANS
Qualify with Just One Year.
Ideal for the recently self‑employed or those with a strong most‑recent year.
Program Highlights
- Qualify using only one year of tax returns
- Great for recently self‑employed borrowers
Next Steps
- Provide the most recent federal return and YTD financials
- We present options from our lender network
1‑Year Tax Return Loans: How They Work
If your most recent year is your best year—because you’re newly self‑employed or scaling—this program may let you qualify with just one year of federal tax returns. It’s a great bridge to homeownership while your historical average catches up.
We compare this approach with Bank Statement and P&L alternatives to find the cleanest approval path and the lowest total cost.
What Lenders Look For
- Two years in the line of work (or strong story for the transition)
- Profitability in the most recent filed return
- Reasonable reserves and clean bank statements