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I have a 725 credit score and my 2016 tax returns show 92,000.00 in income. Where can I get a mortgage providing only one year of returns?

by tdtay23256 from Wilsonville, Oregon. Aug 16th 2017 Reply


Lorne Harvey (lorneharvey)
#82 ranked lender in Washington - 418 contributions

I can help you with that. Please feel free to give me a call at 509-386-5391, I am local to Walla Walla. Thank you

Aug 16th 2017
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I can help you with this. Ellen 542/521-7193

Aug 16th 2017
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Kerry Greenwald (kerry@creeksidem.com)
#2 ranked lender in Washington - 16 contributions

Good morning, we are a local Mortgage Broker. Guidelines can differ between lenders, call us 360.571.5626 we can review your scenario and find a lender that best suits your needs.

Aug 16th 2017
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 7,862 contributions

More info needed, Purchase price? Down payment? Loan to Value? Cash Reserves? etc,, etc, etc..but in general,,,, Once your file is run through the automated underwriting system (AUS), it will determine based on your complete profile, whether or not one or more years tax returns would be necessary.. No one here can say for certainty that you only need one year without running you through the AUS. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Aug 16th 2017
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Bobbie Jo Haggard (BobbieJo@BobbieJoHaggard.com)
#126 ranked lender in Washington - 2 contributions

Yes. I have done a few that way. It is all in how the loan is structured. Please feel free to contact me at Heartland Mortgage. 509-301-1661 or email me at bobbiejohaggard@gmail.com

Aug 16th 2017
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,477 contributions

Standard requirement is two-years on all standard (best rate) loans. The ONLY WAY to know if you can get away with just one year of tax returns on these type of loans is to complete a loan application, and have the lender run it through the appropriate automated desktop underwriting system. It is NOT automatic in anyway shape or form. For these type of loans in MN, SD, or WI, visit me at www.StPaul-Mortgage.com

Aug 18th 2017
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