Can a loan be canceled if tax returns are unavailable

If you mean IRS transcripts, yes....

A completed and closed loan? No. But a loan being denied because of missing tax returns, yes.

More info needed.. are you talking about a loan in the process or are you talking about a loan that's already closed? If you are talking about a loan that's already closed and funded, then no.. it cannot be canceled or reversed (unless there was loan fraud).. But if you have applied for a new loan, and it hasn't been decisioned yet, then it's possible it can be turned down if returns are required.. Keep in mind that certain loan programs do not require tax returns, only W2's.. but if you are self employed, paid commissions or bonuses,, then more than likely, tax returns are required.. if you cannot find your copies, then the lender is going to order a transcript of your taxes... If you are W2'ed and you are hourly or salary.. then as I said.. tax returns might not be necessary. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893