Self-employed borrowers often face unique challenges when it comes to providing tax returns for loan applications. Traditional lenders typically require tax returns to verify income and assess the borrower's financial stability. However, self-employed individuals may encounter complexities due to fluctuations in income, deductions, and business expenses. Non-Qualified mortgage lenders offer specialized loan programs that cater to self-employed borrowers, considering alternative forms of income verification. Working with knowledgeable lenders can help self-employed individuals navigate the loan process more effectively while meeting the necessary tax return requirements.