Best No Tax Return Mortgages Lenders for Self-Employed Borrowers (2026)
No-tax-return mortgages bundle the documentation paths that skip tax returns entirely — bank statement, 1099, P&L, asset-depletion, and limited stated-income-style programs. This overview helps self-employed borrowers find the right no-tax-return route and avoid outdated "no-doc" myths.
Typical Rates
7.5%–10.0% (approx.)
Max LTV
Up to 90% (program-dependent)
Typical Terms
30-year fixed or ARM
Min Credit
620–680
What Are No Tax Return Mortgages?
The phrase "no tax return mortgage" covers a family of programs, not a single loan. In practice it means the lender verifies your ability to repay with something other than tax returns — bank deposits, 1099s, a CPA-prepared P&L, or your assets. The truly document-free "stated income" loans of the past are largely gone; today’s no-tax-return loans are fully underwritten, just with an alternative yardstick. This page sorts the real options from the myths.
Who Are No Tax Return Mortgages Best For?
- Self-employed borrowers with heavy write-offs
- Business owners who file extensions or have complex returns
- Borrowers who simply prefer not to disclose tax returns
- High-asset borrowers with modest reported income
Pros & Cons
Pros
- +Multiple paths to qualify without any tax returns
- +Programs for purchase and refinance on your own home
- +Modern versions still verify ability to repay responsibly
- +Can pair income and asset methods to qualify
Cons
- –True "no-doc" stated-income loans are rare and tightly limited
- –Pricing is higher than tax-return-based loans
- –Larger down payments and reserves are common
- –Quality lenders still verify deposits, assets, or a P&L
Best No Tax Return Lenders (12)
These lenders offer no tax return mortgages, ranked by our editor rating. Click any lender for a full review with detailed terms and expert analysis.
| Lender | Rates | Max LTV | Min Credit | Speed | Best For | Rating |
|---|---|---|---|---|---|---|
| Griffin Funding | 7.25%–9.75% | 90% | 620 | 21–35 days | Self-employed borrowers, Apply direct (no broker) | 4.5 |
| Angel Oak Mortgage Solutions | 7%–9.75% | 90% | 620 | 25–40 days | Broadest non-QM menu, Via broker only | 4.5 |
| New American Funding | 7%–9.5% | 90% | 620 | 21–40 days | Apply direct (no broker), Full product menu | 4.0 |
| Newfi Lending | 7.25%–9.75% | 90% | 620 | 21–35 days | Apply direct (no broker), Non-QM specialist | 4.0 |
| Northpointe Bank | 7%–9.5% | 85% | 640 | 25–40 days | FDIC-insured bank, Apply direct (no broker) | 4.0 |
| Carrington Mortgage Services | 7.25%–10% | 85% | 600 | 25–45 days | Lower credit scores, Apply direct or via broker | 4.0 |
| Deephaven Mortgage | 7%–9.75% | 90% | 620 | 25–40 days | Non-QM pioneer, Via broker only | 4.0 |
| Acra Lending | 7.25%–10% | 90% | 600 | 25–45 days | Established non-QM lender, Via broker only | 4.0 |
| A&D Mortgage | 7.25%–9.99% | 90% | 620 | 25–45 days | Full non-QM menu, Via broker only | 4.0 |
| Newrez | 7%–9.75% | 90% | 620 | 25–40 days | Apply direct or via broker, Smart Series non-QM | 3.5 |
| LoanStream Mortgage | 7.25%–9.99% | 90% | 620 | 25–45 days | NanQ non-QM line, Via broker only | 3.5 |
| Champions Funding | 7.25%–10% | 90% | 600 | 25–45 days | CDFI lender, Via broker only | 3.5 |
Griffin Funding
4.5Griffin Funding is a consumer-direct lender that has built much of its brand around non-QM lending for the self-employed. Borrowers can apply directly online — no broker required — across bank statement, asset-based, 1099, and P&L programs in addition to conventional and VA loans.
7.25%–9.75%
90%
620
21–35 days
$100K–$5M
No experience required
Angel Oak Mortgage Solutions
4.5Angel Oak Mortgage Solutions is one of the largest and most established non-QM lenders in the country, with the broadest self-employed menu in the market. Important for consumers: Angel Oak Mortgage Solutions is a wholesale lender — you cannot apply directly and must work through a mortgage broker.
7%–9.75%
90%
620
25–40 days
$100K–$4M
No experience required
New American Funding
4.0New American Funding (NAF) is one of the largest privately held mortgage lenders in the country, offering a full retail menu that includes non-QM options for self-employed borrowers alongside conventional, FHA, VA, and jumbo loans. Borrowers apply directly through NAF.
7%–9.5%
90%
620
21–40 days
$100K–$5M
No experience required
Newfi Lending
4.0Newfi Lending is a non-QM specialist that operates a genuine consumer-direct retail channel in addition to wholesale. Self-employed borrowers can apply directly for bank statement, asset-utilization, 1099, and ITIN programs without going through a broker.
7.25%–9.75%
90%
620
21–35 days
$100K–$4M
No experience required
Northpointe Bank
4.0Northpointe Bank is an FDIC-insured chartered bank that portfolios select non-QM products, letting self-employed borrowers apply directly for bank statement, asset-depletion, and P&L programs. As a depository institution, it underwrites and holds some of these loans itself.
7%–9.5%
85%
640
25–40 days
$100K–$3M
No experience required
Carrington Mortgage Services
4.0Carrington Mortgage Services is a vertically integrated lender and servicer with a deep non-prime and non-QM focus. Its "Flexible Advantage" series targets self-employed and credit-challenged borrowers, and consumers can apply directly through Carrington's retail channel.
7.25%–10%
85%
600
25–45 days
$100K–$4M
No experience required
Deephaven Mortgage
4.0Deephaven Mortgage is a pure non-QM lender (owned by Pretium) that has focused exclusively on alternative-documentation loans since 2012. For consumers, the key point is that Deephaven is wholesale and correspondent only — you reach its programs through a mortgage broker, not directly.
7%–9.75%
90%
620
25–40 days
$100K–$4M
No experience required
Acra Lending
4.0Acra Lending (formerly Citadel Servicing) is one of the oldest and largest dedicated non-QM lenders and an active securitizer. It is a wholesale lender — consumers reach its bank statement, 1099, P&L, ITIN, and other programs through a mortgage broker rather than applying directly.
7.25%–10%
90%
600
25–45 days
$100K–$4M
No experience required
A&D Mortgage
4.0A&D Mortgage is a Florida-rooted, nationwide non-QM specialist serving thousands of broker partners and an active issuer of non-QM securitizations. It is a wholesale and correspondent lender — borrowers reach its full self-employed menu through a mortgage broker.
7.25%–9.99%
90%
620
25–45 days
$100K–$5M
No experience required
Newrez
3.5Newrez is a large national lender and servicer (part of Rithm Capital) offering its "Smart Series" of non-QM products. It operates both retail and wholesale channels — consumers can apply directly, though the broadest non-QM guidelines often live on the broker side.
7%–9.75%
90%
620
25–40 days
$100K–$4M
No experience required
LoanStream Mortgage
3.5LoanStream Mortgage offers a well-known non-QM line branded "NanQ," covering bank statement, 1099, P&L, asset, and ITIN programs. The NanQ line is a wholesale staple — consumers reach it through a mortgage broker rather than applying directly.
7.25%–9.99%
90%
620
25–45 days
$100K–$4M
No experience required
Champions Funding
3.5Champions Funding is a 100% non-QM lender and a Treasury-designated Community Development Financial Institution (CDFI), a status that supports more flexible, exception-based underwriting for underserved borrowers. It is a wholesale lender — consumers apply through a mortgage broker.
7.25%–10%
90%
600
25–45 days
$100K–$5M
No experience required
Frequently Asked Questions About No Tax Return Mortgages
Can I still get a true no-doc or stated-income loan?
Genuine no-documentation loans are rare and limited to specific niches with large down payments and strong reserves. Most "no tax return" lending today is alternative-documentation lending — you still verify income or assets, just not with tax returns. Be cautious of any lender promising a mortgage with no verification at all.
Which no-tax-return program is right for me?
If you have strong, steady deposits, a bank statement loan usually fits. If you are paid via 1099, a 1099 loan is cleaner. If you have an accountant, a P&L loan may be simplest. If you are asset-rich but income-light, asset depletion is the path. Comparing them side by side is the way to find your best fit.
Are no-tax-return mortgages legal and safe?
Yes. These are legitimate, fully underwritten loans that comply with the federal ability-to-repay rule — they simply document income or assets differently. They cost more than agency loans because private investors fund them, but they are a mainstream financing tool for self-employed borrowers.
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