Who can review this question with me?

Rod Morris, CEO / Owner, NMLS #204660, is the assigned editorial reviewer. This answer remains marked Needs LO review until approval.

Can I get an initial quote without a credit pull?

Yes. First Equity's initial quote flow collects self-reported information without a credit pull. It is not an approval, commitment, or rate lock.

Conversational mortgage answer

Can self-employed people get a mortgage without tax returns?

Some alternative-documentation mortgage programs may evaluate bank statements, 1099 income, assets, or investment-property cash flow instead of traditional tax returns. These programs still require documentation and underwriting, and they are not shortcuts around ability-to-repay rules. Availability depends on occupancy, property, credit, and current terms.

Needs LO review

What else should I know?

Traditional conventional, FHA, VA, or USDA financing may still be best when tax returns support qualification. Compare both routes.

First Equity provides calm, specific guidance based on verified current requirements. Final approval depends on a complete application and underwriting.

A clear next step starts with a conversation.

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