VA Loans: Tax Returns vs. Loan Type

 


When it comes to getting a mortgage, many borrowers assume tax returns are always required. But that’s not the full story. Different loan types come with different documentation standards—especially when it comes to tax returns.

Did You Know?

  • Conventional & FHA Loans: Lenders will usually require full tax returns if the borrower is self-employed, has variable income, or earns commissions. This is to help verify income consistency and ensure the borrower can repay the loan.

  • VA Loans: For Veterans and Active Duty borrowers who are W-2 employees with no complicating factors, tax returns often aren’t required. Instead, underwriters can rely on pay stubs, W-2 forms, and verification of employment.

Why This Matters

Less Paperwork – No need to dig through years of tax filings.
Faster Underwriting – With fewer documents to review, approvals can move more quickly.
More Flexibility for Veterans – The VA loan program is designed to honor service with benefits that make homeownership more accessible.

This is just one of the many ways VA loans stand apart from other loan products. They’re structured to give back to those who’ve served by making the path to homeownership smoother and more attainable.

If you’re a Veteran or Active Duty service member wondering what documentation you’ll need for your loan, let’s talk. I’ll guide you step-by-step so you know exactly what’s required—no surprises.

About Between Two Doors

Between Two Doors is a podcast where I talk with Realtors about their journey, aiming to connect home buyers and sellers with agents on a more personal level. I ask "right brain" questions that go beyond transactions, focusing on the experiences, values, and passions that make these professionals great at what they do.

Listen to more episodes at: https://www.betweentwodoors.com

Sponsored by:
Premier Lending, Inc.
https://www.natecarver.com

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NMLS: 2004738
Licensed by the Department of Financial Protection and Innovation (DFPI). Equal Housing Opportunity.
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Contact: 972-832-5761

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Location: United States

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