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 Conforming Loan amounts up to $726,200 | FHA Loan Limits are specific to each Florida County
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1 Year Tax Return Mortgage

1 Year Tax Return Loan Program

Are You Self-Employed or a Business Owner and looking to buy a home? Fidelity Home Group offers a 1-Year Tax Return Loan Program for Self-Employed / Business Owners as well as those whose employment histories and tax returns may not reflect their viability for a mortgage over a full two year period.

1-Year Tax Return Loan Program

  • 1-year of most recent tax returns
  • Must be business owner/self-employed for a minimum of 5 years with documentation
  • Last 6 months Bank Statements
  • Year to Date P & L 
  • Up to 70% Loan to Value [ Minimum 30% down paymett ] 
  • Credit scores down to 700
  • Owner-occupied, 2nd homes, and investment properties
  • SFRs, town homes, condos, 2-4 units
  • 5/1 ARM or 30-year fixed
  • 4 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Seller concessions to 6% (2% for investment)
  • Minimum Loan Amount is $200,000
  • Maximum Loan Amount is 3,500,000

When your ready to get started on your 1 year tax return loan, we are experts to guide you through the entire process, the first step is getting you pre-approved. You can click on the button below or apply online; if you prefer to speak with one of our Home Buyer Experts, we would be happy to speak with you at 888-259-2257.

1 Year Tax Return Loan Program


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