Florida Bank Statement Loans for Self-Employed Borrowers
Flexible Mortgage Solutions Tailored for Business Owners, Entrepreneurs,
Freelancers, and Real Estate Investors
What Is a Bank Statement Mortgage?
A Bank Statement Mortgage (also known as a Bank Statement Loan) is designed for self-employed Texans who need flexible income documentation. It’s ideal for:
Small business owners
Freelancers and 1099 workers
Independent contractors
Real estate investors
Entrepreneurs
Florida Bank Statement Mortgage Highlights
- No tax returns or W-2s required
- Use 12–24 months of bank statements to qualify
- Loan amounts up to $5 million
- 30- or 40-year fixed, or interest-only loan terms
- Available for primary homes, second homes, and investment properties
Why Self-Employed Borrowers Choose Us
Florida is booming with entrepreneurs, gig workers, and real estate investors. At HomeLife Mortgage, we understand self-employed borrowers better than most. That’s why we offer:
Custom-tailored bank statement mortgage
loans for Florida’s self-employed
Access to exclusive
bank statement lenders
Purchase, refinance,
or cash-out options
Interest-only and
40-year terms available
Florida Bank Statement Loan Rates Today
Your bank statement loan rate depends on:
- Credit Score – Higher scores unlock lower rates
- Down Payment – 10% minimum, but more down = better pricing
- Loan Term – Choose from 30-year fixed, 40-year fixed, or 40-year interest-only
We’ll guide you through rate-and-term or cash-out refinancing options to meet your goals. Want the lowest bank statement loan rates today? We can help you buy down your rate with points—or choose a no-fee loan with slightly higher pricing.
Flexible Loan Terms That Work for You
We’re not one-size-fits-all. We offer:
30- or 40-year fully amortized fixed-rate loans
40-year interest-only loans (10-year interest-only period)
Loan amounts up to $5 million
Rate-and-term or cash-out refinance options
Why Work with HomeLife Mortgage?
Unlike traditional banks, we’re not limited to one set of guidelines. We work with multiple wholesale bank statement mortgage lenders to find the best fit for you.
With HomeLife Mortgage, you get:
- Fast pre-approvals (often within 48 hours)
- Competitive bank statement mortgage rates
- Florida-specific mortgage expertise
- 40+ years of experience working with self-employed borrowers
Ready to Turn Your Bank Statements Into Buying Power?
Whether you're a contractor in Tampa, a designer in Miami, or a real estate investor in Orlando—we make it easy to get approved.
- Get Preapproved in as little as 48 hours
- Talk with Florida’s top Bank Statement Loan experts
Apply Now and let’s make your Florida dream home a reality—with a mortgage tailored to you.