Florida Home Loans · Realtors

Home Loans for Realtors in Florida

You sell homes for a living, but commission income on your own application is its own puzzle. We solve it with the right documentation or a bank-statement program.

2-Yr

Income Averaged

Bank Stmt

Alternative

1099

Handled

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Get Pre-Approved in Realtors

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Realtors · Florida

Home Loans for Realtors From a Florida Mortgage Broker

Realtors know real estate cold, yet their own financing trips on the same thing every commission earner hits: lenders average two years of 1099 income and subtract business write-offs. If your recent year is much stronger, that average undersells you. We either document the two-year history or switch to a bank-statement loan that reads your deposits, so a top-producing agent is not capped by an old slow year.

The hurdle is usually the same one. Lenders average commission income over two years, so one strong year alone rarely counts. A slow stretch can drag the average down. As a broker, not a single bank, we focus on commission-income and bank statement loan options. We shop the file to the lenders that write it well.

Programs That Fit Realtors

✓Conventional loan. Best pricing once a two-year commission average supports the payment.

✓Bank statement loan. Qualify on deposits when recent income is far stronger than the two-year average.

✓Non-QM loan. Flexible structures for earners whose income is real but hard to document traditionally.

✓FHA loan. A lower-credit path while you build a longer commission track record.

Want the detail? See the best loan programs for realtors or walk through how to qualify step by step.

What to Bring

✓Two years of 1099s and returns

✓Recent commission statements

✓Bank statements

✓Reserves documentation

✓Photo ID

How It Works

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for realtors

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

Realtors Home Loan Questions

How do lenders count a Realtor’s commission income?

They average your commission income over the past two years using 1099s and tax returns, then subtract documented business expenses. If your recent income is much higher, a bank-statement loan that reads deposits may qualify you for more. We compare both.

Can a new Realtor get a mortgage without two years of history?

It is harder but possible. With less than two years as an agent, we look at prior related experience, a bank-statement program, or a co-borrower. If you recently went from W2 to commission in the same field, that continuity can help. We review your specifics.

Official resources

Verify the details for your own situation against these government and agency sources: Florida Housing homebuyer programs and CFPB Owning a Home guide.

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