Self-Employed Florida Mortgage Lenders —No Income Verification Florida Mortgage Lenders 
24 Months Bank Statement Florida Mortgage Lenders —12 Months Bank Statement Florida Mortgage Lenders

No Tax Return Florida Mortgage Lenders Options

• • Use Personal Bank Statements: You can qualify using 12 or 24 months Personal bank statements and use Up To 100 percent of deposits!
  • Use Business Bank Statements: You can qualify with 12 or 24 months of bank statements and count up to 90% percent of the deposits. A Florida self-employment business questionnaire is required to determine your income. For example, if you are a 1099 realtor with no money for rent, or cost you can use up to 90% of your income to qualify.
  • Use 1099s For Income: No Tax return Florida 1099 lenders will allow you to average 2 years of 1099s and 2 months of recent bank statements for income.
  • Use Lease Agreements: As long as the lease agreements are enough to cover the Florida mortgage payments lenders will lend up to 80% loan to value with no income verification needed.
  • Stated Florida Mortgage Lenders– Based on LTV, FICO, and Liquidity Read More »

Who Qualifies For A Bank Statement Mortgage?

Our bank statement mortgage lenders provide funding for business owners throughout Florida. You must have a good payment history and good deposits to qualify. Below we have provided a list of other qualifying factors including:

• Minimum of the 1-year same line of work 2+ years.
• Minimum 550 middle credit score.
• Minimum 10% down payment+ Closing Cost + Reserves. reserves are defined as the total mortgage payment PITI in your account after closing.
• Minimum 3-6 Months Reserves.
• Minimum 12 months since any housing events ( Foreclosure, Bankruptcy Discharge, Short Sale )
• Maximum DTI 55% Bank statement only mortgage lenders will allow the self-employed to qualify up to 55% of their total income for housing and all other monthly payments on their credit report.
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NO INCOME VERIFICATION FL MORTGAGE LENDERS – NO TAX RETURN FLORIDA MORTGAGE LENDERS