USTaxCerts: Revolutionizing NonQM Verifications for Lenders & Borrowers with $2M in Attestation Coverage

A Game-Changer in NonQM Verification

In the fast-paced world of mortgage lending, time is money. When lenders and brokers struggle with self-employed borrowers who need reliable income verification, they often hit a wall. Tax firms refuse to cooperate, CPAs drag their feet, and the risk of non-compliance looms large. That was the reality Danny Flucke, co-founder of USTaxCerts, faced while working in NonQM lending. But what if there was a solution that could change all of that? USTaxCerts has done just that. The firm has revolutionized the process of NonQM verifications by offering a service that’s fast, reliable, and above all, secure.

From Frustration to Innovation

USTaxCerts was born out of frustration. Danny Flucke, with his extensive background in NonQM lending, including roles at Carrington, AngelOak, and KindLending, recognized the flaws in the system. He had worked on the front lines of NonQM lending, where self-employed borrowers often found themselves without the necessary documentation for loan approval. CPAs and tax preparers refused to provide crucial letters, leaving both lenders and borrowers in limbo.

Danny knew there had to be a better way. He envisioned a solution that would not only simplify the process but also provide lenders with the security of knowing the verification was compliant, audit-proof, and backed by insurance.

In 2024 after 18 months of navigating IRS licensing and certifications, and then passing scrutiny by E&O firms for attestation and verification insurance, he launched USTaxCerts, a tax firm supporting NonQM lenders and borrowers by providing verifications that go beyond the traditional tax letter. USTaxCerts brought a unique perspective to the table, one that understood the high-pressure world of NonQM guidelines and the needs of both the lenders and borrowers.

But what made USTaxCerts stand out was not just its speed or service; it was the level of protection it provided. USTaxCerts was approved to offer a groundbreaking $2 million in adverse-action coverage per file, something no other NonQM verification vendor had ever offered. This level of insurance coverage provides lenders, brokers, and borrowers with peace of mind that’s unmatched in the industry.

A.I. Driven Business Background Check Firm & Leading Source for Self-Employed Verification Letters

USTaxCerts is a leading source for self-employed verification letters, using an A.I. driven business background check system to streamline the verification process. The company’s robust system for gathering and verifying self-employment documentation offers lenders the confidence they need to move forward with loan approvals. Whether it’s income verification, business legitimacy checks, or ownership confirmation, USTaxCerts handles it all with precision and speed.

By leveraging artificial intelligence, USTaxCerts ensures that data is accurately cross-validated across multiple sources, guaranteeing the highest level of reliability and efficiency. The firm’s innovative approach integrates advanced technology to collect and analyze data quickly, allowing lenders to make informed decisions faster. With its expertise in providing self-employed verification letters, USTaxCerts has earned a reputation as a trusted partner in the NonQM lending space.

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 Stories, Real Impact

The impact of USTaxCerts' approach is evident in the feedback from the industry. Brett W., a mortgage lender representing the largest NonQM retail lender in the country, shared, “Danny and USTaxCerts are great! They've assisted many of my clients with CPA letters, income verifications, and profit and loss statements. They operate very quickly... an incredible resource to work with.”

Hector D., a broker with over 10 years of experience in dealing with self-employed borrowers, echoed the sentiment: “Fast and Solution Oriented! Truly, working with Danny & his team at US Tax Certs has been the best experience in all of my career. I will ONLY use them from now on!”

It’s these real stories of relief, success, and speed that have fueled the growth of USTaxCerts. The company has quickly built a reputation for solving problems and delivering results that others in the industry can’t match.

A Solution Built for Lenders, Brokers, and Borrowers Alike

One of the most significant pain points in the NonQM space has been the reliance on unreliable tax letters and unverifiable statements. USTaxCerts changed that by creating a patent-pending, evidence-based verification system designed specifically for self-employed borrowers. The process involves a sophisticated workflow that analyzes borrower-submitted, IRS-retrieved, and lender-supplied documents. The firm then cross-validates this information against publicly filed records and paid-access databases to ensure accuracy.

This system allows USTaxCerts to double-validate over 30 datasets, including self-employment confirmation, ownership percentages, business legitimacy checks, expense-ratio analysis, and more. The result is a complete, audit-ready evidence file that meets the stringent requirements required to qualify for $2 million per file in attestation coverage.

The impact of this innovation is profound. NonQM lenders, once burdened with the risk of relying on unverified or incomplete documentation, now have a reliable, insured option that reduces fraud, boosts compliance, and eliminates adverse-action risk. Lenders no longer have to settle for the risky alternative of working with tax preparers who lack the necessary insurance or documented verification processes.

The Unique Edge: Lender-Friendly and Fully Covered

What truly sets USTaxCerts apart is its commitment to being lender-friendly. While other tax firms may be hesitant to issue verification letters for self-employed borrowers, USTaxCerts has a deep understanding of the NonQM process, thanks to Danny’s background in the industry. This allows the company to offer solutions tailored to the specific needs of mortgage lenders.

Furthermore, USTaxCerts stands alone in offering a full $2 million per file in attestation and verification stop-loss coverage per file, an industry-first. This protection extends to all parties involved, from loan officers, processors, and underwriters, to brokers, account executives, and lenders. The result is a much-needed layer of security that gives all parties the confidence to move forward without fear of costly repurchase issues or compliance violations.

A Clear Advantage for NonQM Lending Professionals

For lenders, USTaxCerts is a game-changer. The firm provides audit-ready NonQM verification letters that are backed by defensible evidence files. This eliminates the risk of adverse action claims and reduces liability exposure. Additionally, USTaxCerts’ streamlined “EZ ordering” system makes it simple for processors and underwriters to order as simply as an appraisal order to an AMC. The letters can also be completed on lender-specific templates, ensuring full compliance with NonQM guidelines.

For production teams and brokers, USTaxCerts offers invaluable support. It eliminates the headaches of dealing with uncooperative CPAs and tax firms, saving time and reducing friction in the deal-making process. USTaxCerts also offers predictable turn times, typically between 48 to 72 hours, with same day RUSH orders available, making it a reliable partner for fast-moving teams.

For borrowers, the benefits are equally significant. USTaxCerts provides a simple path forward when tax firms refuse to cooperate, ensuring that documentation is collected in a way that meets IRS privacy standards. 

A New Standard in NonQM Verification

What started as a frustration with the lack of reliable verification options for self-employed borrowers has grown into a revolutionary service that’s reshaping the NonQM lending landscape. USTaxCerts has created a trusted, insured, and streamlined solution that benefits lenders, brokers, and borrowers alike.

By providing fast, reliable, and audit-proof verification services backed by $2 million in coverage, USTaxCerts has again proven why they are the leader in the NonQM verification space. As the industry continues to evolve, USTaxCerts remains committed to offering the highest levels of protection, service, and efficiency for all parties involved.

Visit USTaxCerts to learn more about their services and see how they can help you close deals faster with confidence.

Links
LinkedIn - Danny Flucke
LinkedIn - USTaxCerts
USTaxCerts Official Site
Reviews - Danny Flucke