FHA Profit & Loss (P&L) Only Loans

Qualify for an FHA Mortgage Using Only a Profit & Loss Statement

Are you self-employed and don’t have traditional tax returns? An FHA P&L Only Loan allows eligible borrowers to qualify for an FHA mortgage using a year-to-date Profit & Loss (P&L) statement instead of tax returns, making homeownership more accessible for business owners, freelancers, contractors, and entrepreneurs.

Whether you’re purchasing your first home, refinancing your existing mortgage, or taking advantage of today’s opportunities, our FHA P&L Only program offers a simplified income verification process while maintaining the competitive benefits of an FHA loan.

Why Choose Our FHA P&L Only Loan

• No Tax Returns Required
• Qualify using a Profit & Loss (P&L) statement
• No personal or business tax returns required (when program guidelines are met)
• Low down payment options available
• Competitive FHA interest rates
• Flexible credit guidelines
• Higher debt-to-income ratios may be accepted
• Available for home purchases and refinances
• Designed specifically for self-employed borrowers
• Fast underwriting and personalized loan support

Who Can Benefit?

An FHA P&L Only Loan is ideal for:

• Business owners
• Self-employed professionals
• Real estate investors
• Consultants
• Realtors
• Doctors 
• Attorneys
• Independent Contractors
• Freelancers
• Commission-based  borrowers

If your tax returns don’t accurately reflect your true earning potential due to legitimate business deductions, this program may provide a better path to qualifying.

Why Choose Nations Trust Mortgage?

At Nations Trust Mortgage, we specialize in helping self-employed borrowers secure financing when traditional documentation creates unnecessary obstacles. Our experienced mortgage professionals understand non-traditional income documentation and work quickly to deliver a smooth lending experience from application to closing.

We’ll review your financial situation, determine eligibility, and help you find the best FHA loan solution based on your unique income profile.

When you work with us, you’ll receive:

• Expert guidance from experienced FHA specialists
• Fast pre-qualification
• Personalized loan options
• Competitive rates
• Responsive communication
• A streamlined mortgage process from application to closing

Our goal is to help you get approved quickly with the financing solution that best fits your financial profile.