Does FHA require tax returns?
Yes, generally — usually the most recent 2 years of personal returns, plus business returns for self-employed borrowers.
What this actually means.
Some W-2-only files can clear with W-2s + pay stubs and a 4506-C IRS transcript without full returns, but tax returns are commonly requested and almost always run for self-employed and 1099 income.
Where this can move.
Income type, employment history, debt ratio, reserves, automated underwriting findings, and lender overlays can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.