Self-employed, a 1099 contractor, or a business owner? Qualify for a Florida mortgage using your bank statements — not your tax returns. We shop 50+ lenders to find the program that fits your real cash flow.
Apply for a Bank Statement Loan →If you are self-employed, your tax returns are written to minimize taxable income — which often makes it harder to qualify for a traditional mortgage, even when your business is thriving. A bank statement loan solves that. Instead of W-2s and tax returns, lenders use 12 to 24 months of your personal or business bank statements to document the income you actually earn.
Bank statement loans are a type of non-QM (non-qualified mortgage) loan built specifically for business owners, freelancers, gig workers, real estate investors, and 1099 professionals. As an independent broker, Divito Lending compares dozens of non-QM lenders so you get a program structured around your deposits — not a one-size-fits-all bank box.
Qualify using 12–24 months of bank statements instead of W-2s, 1040s, or business tax returns.
Ideal for business owners, 1099 contractors, freelancers, gig workers, and commission-based earners.
Use a bank statement loan for your home, a vacation property, or an investment property in Florida.
Strong cash flow can support jumbo-sized loans — great for higher-value Florida properties.
Lenders look at deposits and cash flow, not just a rigid debt-to-income formula from your tax forms.
Non-QM pricing varies widely between lenders. We compare 50+ to find a competitive fit for your file.
Bank statement loans are a strong fit if you have been self-employed for at least two years, your tax returns understate your true income, and you have steady, documentable deposits. They are also popular with investors building a portfolio who want flexible, cash-flow-based qualification.
The trade-off versus a conventional loan is typically a slightly higher rate and a larger down payment, since these are non-QM programs. Whether that trade-off is worth it depends on your full picture — the fastest way to know is a quick, no-pressure conversation with a licensed Divito Lending advisor.
It is a mortgage that lets self-employed borrowers qualify using 12–24 months of personal or business bank statements to document income, instead of W-2s and tax returns. It is designed for business owners, 1099 contractors, and freelancers whose tax returns understate their true cash flow.
Most lenders ask for 12 or 24 months of consecutive statements. Twenty-four months can build a stronger qualifying income picture; 12 months is faster to gather. We shop 50+ lenders to match you with the program that fits your deposits.
Programs typically start around a 620 credit score. Stronger scores unlock lower down payments and more competitive pricing. Because requirements vary by lender, we compare multiple options to find one that fits your profile.
Down payments generally range from 10% to 20% depending on credit, property type, and lender. Primary residences, second homes, and investment properties are all eligible.
Yes. Bank statement loans can be used for primary residences, second homes, and investment properties across Florida, including condos and multi-unit homes.
Get a free pre-approval review with no obligation, or have a no-pressure conversation with a licensed Florida mortgage advisor who understands self-employed income.