USTaxCerts is redefining the NonQM verification process by offering fast, reliable, and insured solutions that protect lenders, brokers, and borrowers alike.
Are NonQM Lenders Ready For The Return To 50 Different State Regulatory Bodies?
With the CFPB already gutted, mortgage regulations will once again fall back to the individual states, just like prior to Dodd-Frank. The risks arise when a random tax professional in Georgia submits a verification letter for a Texas borrower using a California based lender. Will that file pass scrutiny? Does the letter provide attestation coverage against claims or adverse actions? Probably not. That’s where US Tax Certs steps in to solve all the issues, with 50 state compliant, audit-proof attestations and verifications, backed by $2M per file back-end coverage.
Breaking the Mold in NonQM Lending
Verifying income and documentation for self-employed borrowers in NonQM (Non-Qualified Mortgage) lending has historically been a challenge for lenders. Many face delays and complications from CPAs and tax preparers who are reluctant to provide the necessary documentation. These delays can cause deals to fall through, leaving borrowers without a clear path forward.
But what if there was a more efficient and reliable solution? USTaxCerts, led by Danny Flucke, offers a service that accelerates the process while prioritizing accuracy and compliance.
The Problem That Led to a Solution
For years, professionals in NonQM lending have struggled with verifying self-employed borrowers. Tax preparers and CPAs often do not fully understand the urgency or complexities of the NonQM process, leading to delays and missed opportunities. This is a common issue that has impacted both lenders and borrowers.
Danny Flucke, co-founder of USTaxCerts, experienced these challenges firsthand. With years of experience in NonQM lending at firms such as Carrington, AngelOak, and KindLending, Danny was well aware of the inefficiencies involved. His frustrations led to the creation of USTaxCerts in 2024, a firm designed to improve the verification process by bridging the gap between tax firms and NonQM lenders.
What Sets USTaxCerts Apart
USTaxCerts distinguishes itself through its focus on compliance and protection. While many tax firms struggle to meet the documentation requirements for lenders, USTaxCerts offers an IRS-certified, licensed, bonded, and insured verification service. The firm’s sophisticated proprietary system cross-validates over 30 different datasets, including but not limited to business background checks, self-employment confirmation, expense-ratio analysis, and ownership percentages, ensuring that each verification is accurate, compliant, and audit-ready.
A standout feature of USTaxCerts is its $2 million attestation and verification coverage per file. This coverage provides protection for all parties involved, from loan officers, processors, and underwriters, to account executives, brokers, and lenders, eliminating financial risk in the event of discrepancies or adverse action claims.
USTaxCerts: A.I. Driven Business Background Check Firm, IRS Licensed, “NonQM Lender Friendly” Tax Firm, and Leading Source for Self-Employed Verification Letters
USTaxCerts is an A.I. driven business background check firm, leveraging artificial intelligence to streamline and enhance the verification process. The firm’s sophisticated system cross-validates data across multiple sources, providing an extra layer of accuracy and reliability.
USTaxCerts is also an IRS-licensed “NonQM Lender Friendly” tax firm that understands the unique needs of NonQM lenders and has designed its services to cater specifically to them.
Furthermore, USTaxCerts is the leading source for self-employed verification letters, offering reliable, audit-ready documentation for self-employed borrowers that meets industry standards and NonQM guidelines.
Award Recognition: Best Self-Employed Verification Letter Service in the U.S. of 2025
USTaxCerts has recently been recognized as the Best Self-Employed Verification Letter Service in the U.S. of 2025 by Best of Best Review. This prestigious award highlights USTaxCerts’ outstanding contributions to the NonQM lending sector, particularly its unmatched service in providing accurate, compliant, and insured self-employed verification letters. The recognition underscores the firm’s commitment to excellence and its dedication to solving problems in the NonQM space.
Real-World Impact for Lenders, Brokers, and Borrowers
For lenders, USTaxCerts offers a dependable service that reduces risk and improves compliance. The service delivers audit-ready documentation, helping lenders avoid potential repurchase issues or compliance violations. The “EZ ordering” system also ensures a streamlined process, similar to ordering an appraisal from an AMC, saving time and improving efficiency.
Brokers and production teams benefit from USTaxCerts’ ability to simplify the process with predictable turnaround times, typically ranging from 48 to 72 hours. Same day RUSH options for urgent needs are also available. This efficiency allows brokers to close deals faster with greater confidence.
Borrowers gain reassurance knowing they have access to a reliable service when tax firms are unable to provide necessary documentation.
Customer Testimonials Reflect the Value of USTaxCerts
Client feedback demonstrates the firm’s positive impact on both professionals and borrowers. Brett W., a mortgage lender at one of the country’s largest NonQM retail lenders, shared his experience: “Danny and USTaxCerts have been a valuable resource for my clients. They quickly provide CPA letters, income verifications, and profit and loss statements. If you’re working with self-employed borrowers, USTaxCerts is a service I highly recommend.”
Hector D., an experienced lender, praised the firm’s quick turnaround and client-focused approach: “Working with Danny and his team has been the best experience of my career. I’ll only use them moving forward.”
Mike M., a self-employed borrower, recounted how USTaxCerts helped him close his deal when his CPA wouldn’t cooperate: “USTaxCerts saved the day when my CPA didn’t provide the required letters. Danny got it done quickly so we could close on time.”
These testimonials highlight USTaxCerts’ consistent value, making it a trusted solution for both professionals and borrowers in the NonQM lending space.
Creating a Reliable, Transparent Solution
USTaxCerts is dedicated to meeting the needs of all parties in the NonQM process. With a focus on accuracy, efficiency, and protecting all parties involved, the firm ensures that each step of the verification process is handled professionally and with the highest standards. As the industry evolves, USTaxCerts remains committed to providing solutions that address the challenges faced by lenders, brokers, and borrowers when working with self-employed home loan mortgage options.
Through its proven platform, USTaxCerts is transforming how NonQM verification is handled. With its proprietary systems, comprehensive coverage, and 5-Star customer service, USTaxCerts is setting a new standard for the future of NonQM mortgage lending verifications.
Visit USTaxCerts to find out more and start working with the industry’s leading NonQM verification firm.
Links
LinkedIn – Danny Flucke
LinkedIn – USTaxCerts
USTaxCerts Official Site
Reviews – Danny Flucke
