Can I get a jumbo mortgage without using my tax returns?

Alternative documentation options

• 12-month personal or business bank statements
• W-2s and 1099s
• CPA-prepared profit-and-loss statement
• Asset utilization (qualifying based on liquid assets)

How much can you borrow this way?

Loan-to-value limits are typically highest for bank-statement qualification. Profit-and-loss and asset-depletion scenarios generally carry lower maximum loan-to-value limits. Loan amounts can extend into the multi-million range for well-qualified borrowers purchasing in communities like Scottsdale, Troon, Paradise Valley, Fountain Hills and Arcadia.

What lenders still look at

Alternative documentation doesn't remove underwriting — it changes how income is calculated. Credit history, down payment, reserves, debt-to-income ratio and the property itself all still matter. The goal is simple: show your real cash flow, not just your taxable income.