Bank Statement Loan Florida Lender
Traditional mortgages often don’t tell the full story of your income — especially if you’re self-employed. A Bank Statement Loan gives you the flexibility to qualify based on your actual cash flow instead of tax documents. This program is ideal for small business owners, entrepreneurs, gig workers, real estate investors, and anyone with non-traditional income streams. With this program, lenders review your bank statements to assess your income, offering an easier path to homeownership without requiring extensive tax return documentation.
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Bank statement loans qualify self-employed borrowers on 12 or 24 months of bank deposits rather than tax returns. They exist because many self-employed borrowers legitimately reduce their taxable income through deductions but still have strong real cash flow — and traditional underwriting unfairly disadvantages them.
We accept personal bank statements, business bank statements, or a combination. The lender averages qualifying deposits over the look-back period and uses an expense ratio (typically 50%) for business statements to arrive at qualifying income. The result: many borrowers qualify for substantially more than their tax returns would suggest.
Florida has one of the largest self-employed populations in the country — service business owners, consultants, contractors, real estate professionals, healthcare providers, and small-business owners — and bank statement loans are written here every day.
No — bank statement loans skip tax returns entirely. We use 12 or 24 months of bank statements to verify income.
Most programs start at 660; pricing improves at 700+ and 740+.
Loan amounts up to $3 million on most programs, with stronger borrowers eligible for higher limits.
Yes — we have non-QM HELOC and fixed second programs for self-employed borrowers.
Rates run modestly higher than conventional, but the trade-off is real: you qualify for the loan you actually need.
