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Most lenders can approve loans via Freddie Mac or Fannie Mae If you have been self-employed less than two years ask your lender to try running your scenario through Loan Prospector There's a chance this system will require you to document less self-employment than would another system.

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While you may not need to provide tax return you still however must file your returns and have them IRS validated Not providing tax returns for getting a mortgage is not a recipe for granting a loan to consumer who has not filed a tax return.

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