Non-QM · Florida
Bank-statement loans for self-employed Florida borrowers.
Qualify on deposits instead of tax returns. 12- or 24-month statements, subject to underwriting.
Fastest way to start
Talk to us about a bank-statement / Non-QM loan in Florida
We work Florida files from Miami and Fort Lauderdale to Tampa, Orlando, Jacksonville, and the Gulf Coast. Plenty of our Florida clients are Northeast transplants.
- Have 12–24 months of statements handy.
- Tell us the Florida town or price range.
- No rate, approval, or timing guarantees.
Licensed lender and broker. No rate, approval, or timeline guarantees.
Self-employed in Florida
Florida has no state income tax and a lot of business owners: real estate agents, marine and hospitality operators, contractors, and remote professionals who relocated from the Northeast with their businesses. Tax returns are designed to keep taxable income low, which is exactly what can make a conventional mortgage hard to get. A bank-statement loan looks at deposits instead.
Florida details worth knowing
Florida homeowners insurance and flood insurance can be a big part of the monthly payment, and both count when underwriting checks what your deposits can support. Get a quote early.
How a bank-statement loan works
- Pick the statement period. 12 or 24 months of personal or business statements, depending on which better reflects your income.
- Calculate qualifying income. Personal statements usually count eligible deposits. Business statements usually apply an expense factor or use a CPA or tax-preparer letter.
- Underwrite the rest of the file. Credit, down payment, reserves, and the property are reviewed like any other mortgage, subject to the investor’s guidelines.
- Fund it or shop it. In Florida, Forte Financial is a licensed direct lender: we can fund your loan in-house, or shop it with our investor network if another investor fits the file better.
Loan amounts on these programs can go up to about $3 million, subject to credit, assets, and the property. Primary homes, second homes, and investment properties may all be eligible.
What to have ready
- 12–24 months of statements for every account you want counted
- Proof you have been self-employed long enough, often two years
- Down payment and reserve statements
- A property address or a target price range
Who it often fits in Florida
- Real estate agents and brokers paid on commission
- Marine, charter, and hospitality business owners
- Contractors and roofers
- Self-employed people relocating to Florida with an established business
If your returns show a loss but your accounts show steady deposits, have the conversation before you assume the answer is no.
Programs, guidelines, and availability change and are subject to credit, income, property, and underwriting approval. Nothing here is a rate quote, a commitment to lend, or a guaranteed timeline. Florida Office of Financial Regulation, Licensed Mortgage Broker, MBR-3524.
Frequently asked questions
I just moved my business to Florida. Can I still get a bank-statement loan?
Possibly. What usually matters is the business’s history and deposits, not which state it started in. Statement periods, account continuity, and how long you have been self-employed are the key questions.
How long does a bank-statement loan take to close?
It varies with the property, appraisal, title, and how quickly statements and explanations come in. We will give you a realistic timeline for your file, not a guarantee.
Do I need tax returns for a bank-statement loan?
Usually not for qualifying income. That is the point of the program. You may still be asked for proof that the business exists, such as a CPA or tax-preparer letter or a business license.
What credit score do I need?
It depends on the program, the down payment, and the loan size. Stronger credit and more down payment usually get better terms. We will tell you what we see after reviewing the file.
Are you a broker or a lender?
In Florida, Forte Financial is a licensed direct lender: we can fund your loan in-house, or shop it with our investor network if another investor fits the file better. Florida Office of Financial Regulation, Licensed Mortgage Broker, MBR-3524.
Related pages
Also in Florida: DSCR investor loans in Florida · HELOCs in Florida
Bank-statement loans in other states we serve: Connecticut · New York · New Jersey · Massachusetts · Pennsylvania · South Carolina · North Carolina · Texas
Learn: Bank statement loan requirements for the self-employed · DSCR vs. bank-statement loans: which fits?
Bank-statement / Non-QM program overview → · All states and loan types →
Start with a call or the application.
Tell us about the Florida property and what you are trying to do. We will tell you honestly whether Bank-statement / Non-QM fits.