Watch the video below to learn what underwriters need to see — and how to prepare your tax returns correctly.
When you’re self-employed, lenders can’t rely on paystubs alone.
Tax returns show the true, verified history of your business income and help determine what portion is stable and usable for loan qualification.
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This protects you and prevents approval surprises later in the process.
Every page and every schedule for the last two years.
LLC, S-Corp, partnership, or corporation.
Drafts or estimates are usually not accepted.
If you filed late, include proof of extension.
Self-employed files often require clarification — this is normal.
Missing schedules
Only sending first few pages
Draft or unsigned returns
Mismatch between application and tax income
Large write-offs without explanation
Outdated returns
Bank statements help verify:
