Florida No Tax Return Condo Mortgage Lenders 

No Tax Returns – No Problem!

If you haven’t filed your taxes, you can still obtain a mortgage in Florida without tax returns. These Florida mortgage lenders’ programs allow you to qualify using alternative documents instead of traditional tax returns. Our no tax return and or no income verification Florida mortgage lenders are for self-employed individuals, enabling you to get pre-approved and qualify using alternative income options to purchase or cash-out refinance a home in Florida. 

Florida Property Types Include:

• Single-family home – No Tax Return FL Mortgage Lenders
• Luxury Jumbo – No Tax Return Mortgage Lenders  
• Townhouse- No Tax Return Florida Mortgage lenders 
• Manufactured home – No Tax Return Florida Mortgage Lenders  
• Co-op – No Tax return Florida, Mortgage Lenders 
• Condotel  – No Tax Return Mortgage Lenders 
• Investor Loans- No Tax Return Florida Mortgage lenders 

Non-Warrantable Florida Condo Mortgage

Florida non-warrantable condo lenders offer condo loans for warrantable and non-warrantable,  coop, and condotel, which can be an attractive Florida condo refinance option. Other no tax return Florida condo mortgage options: 

Florida Non-Warrantable Condo Mortgage
No Tax Return Florida Condo Mortgage Lenders

Yes, we have non-warrantable Florida condo lenders that offer: bad credit 600+ Miami, Florida non-warrantable condo lenders with no condo questionnaire, no association budget, No Reserves, No Master Windstorm Insurance,  and ITIN Florida Non-Warrantable Condo Lenders serving every city and county in Florida. Refinance your  Florida condo with low or no condo reserves.  Our private Florida, non-warrantable condo lenders offer condo loans for warrantable and non-warrantable, or a coop,  condotel, which can be an attractive Florida condo refinance option.

No Tax Return FHA Mortgage Lenders 

Our Florida FHA mortgage lenders DO NOT require tax returns. For our FHA mortgage Approvals, Tax returns are ONLY required if commission or bonus income exceeds 25% of your total income or if you own rental properties. However, if your commission or bonus income is 25% or less, and you are a W-2 employee, you will not need to provide tax returns. Lenders typically require documentation like pay stubs and W-2 forms to verify income

3.5% FHA Mortgage Minimum down payment

The Federal government insures private Florida FHA mortgage lenders against loss, which provides homebuyers with the opportunity to purchase with minimal cost. The FHA mortgage has a minimum 3.5% down payment that can come from a gift, grant, or FHA-approved lender. FHA also allows the Florida home seller to pay up to 6% of all the closing costs.

Payment History For FHA Mortgage Qualifying

Prequalifying for a Florida FHA home loan is rather easy if you pay your bills on time. Because it’s the FHA that insures your home loan, the creditors and lending institutions make it feasible for anybody to qualify when they meet the basic requirements. The primary components of qualifying are the history of credit, earnings, and employment history.

Debt-to-Income Ratio

FHA mortgage lenders’ standard max debt-to-income ratio is 31/43 if your credit score is under 580. Some lenders will go up to 47/57 with excellent credit and reserves.

Collateral FHA Requirements

FHA mortgage will work for Single-family homes, multi-family 2-4 units, townhomes, villas, FHA-approved condos, manufactured, modular homes, and FHA-approved condos. The home must be available, habitable, and meet FHA/HUD minimum property standards. 

Pre-Approval Process For FHA Mortgages

APPLY NOW on the top right of this page.  The FHA mortgage loan originator will call you to verify your mortgage application accuracy. The general loan documents needed to review your application include ID, W2, paystubs, and bank statements. If you’re self-employed or own a rental property, we need 2 years’ tax returns, business and personal returns.