Florida Bank Statement Loans for Self-Employed Buyers

Buy a Florida home on the strength of your deposits — not your tax returns.

Florida is one of the most self-employed states in the country, and HomeLife built its Bank Statement Loan for exactly that buyer — the owner, contractor, or freelancer whose deposits tell a stronger story than a write-off-heavy tax return. Qualify on 12–24 months of bank statements, not W-2s or returns.

Get a Quick Quote Call Today 888-677-2526

A State Built of Small Business

No state income tax and roughly 3 million small businesses make Florida a magnet for entrepreneurs, sole proprietors, and 1099 earners. These are the buyers' conventional lenders turn away, and the ones this loan is built for:

Hospitality, tourism, and short-term-rental operators
Construction, trades, and marine or boating businesses
Real estate agents, brokers, and investors
Healthcare, consultants, and professional services
Retail, e-commerce, and seasonal business owners

Why It Fits Florida

Write-offs don't count against you. The deductions that shrink your tax return don't shrink your qualifying income here.

Seasonal income evens out. Tourism, commission, and seasonal earnings are averaged across 12–24 months, so a strong stretch counts.

Deposits decide it. Your bank statements — not your returns — drive the approval.

What You'll Need

12–24 months of personal or business bank statements
Two years self-employed — no tax returns, W-2s, or pay stubs for qualifying income
Credit — minimum may start at 640, program dependent; most HomeLife borrowers are 680+
As little as 10% down
30-year fixed, 40-year fixed, and interest-only options

[See the full Bank Statement Loan program →]

Competitive Rates and Costs

Competitive bank statement loan rates on strong files
No-point and no-origination-fee options may be available — purchase, refinance, and cash-out
Know your rate and closing costs upfront — no surprises

[See how Bank Statement Loan rates work →]

No-point and no-origination-fee options do not eliminate third-party closing costs. Rates and terms vary by program.

Florida Homes You Can Finance

Primary residences, second homes, and investment properties — including condos and non-warrantable condos, a HomeLife specialty that many lenders decline. In Florida's higher-priced coastal markets — Miami, Naples, Palm Beach — Jumbo Bank Statement Loans from $1M to $5M+ are available.

[Explore Jumbo Bank Statement Loans →]

Ready to Buy in Florida?

Your income is real. Your deposits tell the story. Get a fast, no-obligation quote and see what you qualify for.

Licensed in Florida. Soft credit pull upfront. No obligation.

Get a Quick Quote Call Darrin Seppinni — 888-677-2526