FOR FLORIDA BUSINESS OWNERS & 1099 EARNERS

Self-Employed? Your Bank Statements Can Qualify You for a Home Loan.

Tax write-offs lower the income on your returns, not your real cash flow. We can qualify you with 12 or 24 months of personal or business bank statements instead of tax returns.

Request a Free Callback Call 407-300-2558

Not a loan application
No SSN required
No impact to your credit

12 or 24 Monthsof bank statements
Up to $5 Millionloan amounts
24-Hour Pre-Approvalfrom a licensed officer
No Mortgage Insuranceon these programs
No Prepayment Penaltypay off anytime
Credit from 640minimum score

WHY BANK STATEMENTS

Qualify on the money you actually deposit

Traditional lenders use the taxable income on your returns. Bank statement loans look at your eligible deposits instead, so legitimate business deductions don't hold you back from buying or refinancing.

100%

Personal statements

of eligible deposits, averaged over the review period.

Up to 80%

Business statements

of eligible deposits after an expense adjustment.

Built for people who work for themselves

Business owners and entrepreneurs
1099 contractors and consultants
Realtors and real estate professionals
Gig workers and online sellers
Seasonal earners
At least 2 years self-employed

HOW IT WORKS

Three simple steps to your pre-approval

1
Request a callback
It takes less than 30 seconds. A licensed loan officer will call you to review your goals.
2
Share your statements
Send 12 or 24 months of personal or business bank statements so we can review your eligible deposits.
3
Get pre-approved
Receive your pre-approval in as little as 24 hours, then shop or refinance with confidence.

Speak with a Loan Officer

Tell us a little about your plans. This is not a loan application and does not affect your credit.

Submit Request Here

First Name *

Last Name *

Cell Phone Number *

Email Address *

Consent to SMS *

Primary Source of Income *

Other Source of Income

Loan Program *

Property Type *

Estimated Credit Score *

Loan Purpose *

Property Use? *

Loan or Refinance Amount? *

Property Location - State *

How Did You Find Us? *

Tell Us About Your Goals or Loan Scenario (Optional)

Frequently Asked Questions

Q1- Do I need tax returns to qualify?

Not for your income. These programs document income with 12 or 24 months of bank statements instead of tax returns, W-2s or pay stubs. Other documents, such as proof of self-employment, are still required.

Q2- How long do I need to be self-employed?

Generally at least 2 years of self-employment history.

Q3- Can I buy a home or refinance?

Both. Bank statement loans can be used to purchase or refinance, including eligible cash-out refinances.

Q4- Can I use this page in Spanish?

Yes. Tap ES at the top of the page to read it and fill out the form in Spanish.

This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, terms and requirements may change without notice.