FLORIDA BANK STATEMENT
LOAN RATES

Self Employed?
More Ways to Lower the Payment and Manage Closing Costs.

If you’re self employed in Florida, paid on commission, 1099, or you own a business, you already know the challenge: traditional underwriting often relies on W2s and tax returns that may not reflect your true cash flow.
 
A Florida bank statement loan (also called a bank statement mortgage in the NonQM space) can allow qualified borrowers to document income using 12–24 months of bank statements (program dependent).

 

Most borrowers care about two things first:

cAsset 9

bank statement loan rates

Asset 3-4

total loan costs / cash to close

The key is understanding the “levers” you can pull—without guessing:

 

Rate vs. closing
costs:

compare a lower payment option versus a lower cashtoclose option (often using lender credits).

Low to no origination
fee options:

when available, we’ll show side by side structures so you can choose what fits your budget.

Payment structure choices (where available):

30year fixed, 40year fixed, ARMs, and interestonly options to help manage the monthly payment, especially for variable income.

Whether you’re buying a home in Florida, doing a rateandterm refinance, or exploring a bank statement cashout refinance to access equity, the goal is the same: a responsible approval path with clear numbers and no surprises.


Learn More

Apply Now

Increase your chances of approval with our free guide

Download our free eBook below to learn the ins and outs of bank statement loans and everything you need to know to apply and qualify for your loan in Florida.

Download Now The Ultimate Guide to Bank Statement Loans
husband and wife holding house keys and smiling

Get a fast pre-approval in just 24 to 48 hours.

Know your rate and closing costs from the very start.

Get Pre-Approved