What is it?
DirectLenderMatch classifies One-Year Tax Return Mortgage under the financing form “Mortgage.” Its typical use in this directory is: Self-employed borrower using shorter tax history.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: One year of tax returns. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Self-employed borrower using shorter tax history.
What backs or supports it?
One year of tax returns.
Why does this structure exist?
This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.
Important considerations
Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.
Is this actually a loan?
Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.
Verified lenders or providers
Direct/non-QM mortgage lender
Angel Oak Mortgage Solutions
Angel Oak currently advertises one-year tax-return qualification on its Platinum Jumbo and self-employed Jumbo offerings.
Official evidence page →Last verified: 2026-08-23
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