Can I still get a mortgage or loan?

Yes — absolutely.

The 12-411 process does not disqualify you from applying for or securing a mortgage, auto loan, business loan, or any other form of financing. You still:

• File a legally compliant tax return every year

• Report your income

• Receive official IRS documentation to show lenders

So when a lender asks for tax returns, you’ll have them — filed by a certified CPA, compliant with IRS requirements, and backed by federal law. Your income just happens to be non-taxable — which can be a financial advantage, not a disqualification.