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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. This of course is based on the annual amount of your taxable income.Click to see full answer. Subsequently, one may also ask, can you get a mortgage if you owe back taxes?Answer: You do NOT need to pay off the entire tax debt that you owe in order to qualify for a mortgage! Depending on the type of mortgage you are applying for – FHA or Fannie Mae Conforming – you will need to meet certain requirements.One may also ask, can you get a mortgage if you owe CRA? Mortgage lenders are focusing on if you owe CRA money and will require you to prove your taxes have been paid before lending. Also important for a self-employed borrower is that you can use your NOAs (average of last 2 years) to prove what income you earn for mortgage qualifying (see Line 150 – Total Income). In respect to this, can I get a mortgage if I filed an extension? If you are trying to buy a home right now with a loan then the lender’s underwriter will be asking for proof that you filed and paid your taxes. They will ask for a copy of your filed extension and then proof from the IRS that you did file and paid your taxes. This will be a condition for loan approval!Can you get an FHA loan if you haven’t filed taxes?The Federal Housing Administration, FHA, insures mortgages for first-time home buyers as well as borrowers with less-than-perfect credit. Borrowers that have not filed their income taxes do not qualify for FHA insurance.

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