Bank Statement Loans in Florida
A smart mortgage option for self-employed borrowers and business owners.
If you are self-employed, you know the frustration. Your business is doing well, but your tax returns do not always reflect your true cash flow after write-offs. A bank statement loan solves that by letting you qualify based on the actual money flowing through your accounts.
What Is a Bank Statement Loan?
A bank statement loan is a type of Non-QM mortgage that lets self-employed borrowers qualify using their bank deposits rather than tax returns or W-2s. Instead of relying on your taxable income, the lender reviews 12 to 24 months of personal or business bank statements to understand your real income and ability to repay.
Why Choose a Bankstatement Loan?
Qualify on Real Cash Flow
Your income is measured by deposits, not by your after-deduction tax return.
Less Paperwork
No need to provide years of complex tax returns and schedules.
Flexible Use
Available for primary homes, second homes, and investment properties.
Looking for other investment property loan products? Visit our DSCR Loans page.
Who Is A Bank Statement Loan for
Bank statement loans are designed for business owners, freelancers, gig workers, consultants, and anyone whose tax returns understate their true earning power. If you have been turned down for a traditional loan because of how your income looks on paper, this could be the right path. We will review your statements with you and explain exactly what to expect.
This loan is often a fit for:
Business owners and self-employed professionalsFreelancers and gig workersConsultants and independent contractorsAnyone whose tax returns understate their true earning power, including borrowers previously turned down for a traditional loan because of how their income looks on paper
How It Works
Tell Us Your Goal
Tell us about your business and your homebuying or refinance goal.p>
Get Pre-Approved
Send us 12 to 24 months of personal or business bank statements so we can review your real cash flow.
We Handle Underwriting
Once you are under contract, we submit your file and guide it through underwriting.
Close With Confidence
We coordinate the appraisal, title, and closing so you can move into your new home.
Run your numbers first
Free calculators, dictionary, and guides.