do you all know if you need 1 or 2 years of tax returns for freddy mac loans

You need 2 years tax returns regardless. If you'd like to discuss additional questions, please contact me at 817-939-8987. Lynn

All conforming loan programs require 2 years filed federal tax returns to determine your income for qualifying purposes.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

In most cases, 2 years.

I agree with the previous answer's submitted that in most cases 2 years sometimes 3 years of tax returns are needed when providing information.

Freddie will sometimes allow only one year of returns to be used for SELF EMPLOYED borroers (not for those who are w-2 employees) but some lenders will still require 2. We do not have that requirement and go by the Freddie requirements and I often have self employed borrowers use a Freddie loan to make it easier. Let me know if I can help

You need two years tax returns.

If you get approved through Freddie Mac and receive a Streamline Accept approval you will only need one year of tax returns. That is of course as long as the lender you are going through does not have any additional overlays. This comes in very handy when you are self-employed too. In that case you still have to prove two years of being self-employed. Best wishes, Sean

Technically, it depends on what the computer wants. It may want only one year - but regardless of what the automated underwriting computer indicates, almost all lenders will require a full two years of tax returns.