12–24 Mo Statements · Self-Employed

Bank Statement Loan in Miami, FL

Your licensed Miami mortgage broker for bank statement loans. We shop multiple lenders to find the right Bank Statement terms for your Miamipurchase, and close in 14–21 days.

$620,000

Median Home Price

12–24 Mo Statements

Bank Statement Highlight

33101

Primary ZIP

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Get Pre-Approved in Miami

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Bank Statement Loan · Miami

Bank Statement Loans From Your Miami Mortgage Broker

A bank statement loan qualifies self-employed borrowers on deposits instead of tax returns. Business owners who write off heavily often show little taxable income, and this program reads the real money moving through your accounts.

Miami's median near $620,000 puts many purchases at the move-up end of Miami-Dade County, where loan size and structure start to matter. We line up the Bank Statement terms against that price point before you commit.

Miami runs the full spectrum, from downtown and Brickell condo towers to single-family neighborhoods. Condo financing is its own challenge here, so we vet warrantability and HOA budgets early, and we work with ITIN and foreign-national borrowers regularly.

What a Bank Statement Loan Offers in Miami

✓Qualifies on 12–24 months of bank deposits

✓No tax returns required

✓Built for self-employed and 1099 borrowers

✓10–20% down depending on the file

✓660+ score is the common starting point

✓Personal or business accounts both work

As a broker rather than a bank, we compare bank statement loan pricing across lenders for your Miamiprice point at no cost. Start with a five-minute application or call (561) 300-0380 and we will map the numbers to your situation. You can also read the full Bank Statement Loan program guide.

Bank Statement Loan Snapshot

Qualifies On12–24 mo of deposits

Minimum Down10–20%

Tax ReturnsNot required

Best ForSelf-employed & 1099 earners

CityMiami

CountyMiami-Dade County

Broker NMLS#1859012

How It Works in Miami

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your Bank Statement terms

Processing

Our team handles paperwork

In Miami — typically 14–21 days

FAQ

Bank Statement Loan in Miami Questions

Can I buy a home in Miami without tax returns?

Yes. A bank statement loan reads your deposits over the past 12 to 24 months instead of your returns, which is ideal for Miami business owners whose write-offs shrink their taxable income. We average the deposits to build your qualifying figure.

How many months of statements do I need?

Most programs use 12 or 24 months. Twenty-four months smooths out seasonal swings and often improves the qualifying income. We pick the window that puts your strongest numbers forward.

Where can I get a bank statement loan in Miami, FL?

Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) writing bank statement loans in Miami and across Miami-Dade County. As a broker we shop multiple lenders for the program, so you see real Miami pricing rather than one bank's box. Call (561) 300-0380 or apply online.

How fast can a bank statement loan close in Miami?

Most Miami loans close in 14–21 days, with pre-approval usually under 24 hours. The exact timeline shifts with the program, the property, and the seller. A fully underwritten pre-approval is the best way to keep your Miami closing on schedule.

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Miami Mortgage Broker Bank Statement Loan Program Guide All Florida Loan Programs All Florida Cities Apply for Pre-Approval

Bank Statement Loan in Miami?

Your local Miamimortgage broker — 5-minute pre-approval, honest rates, fast closing.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.