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Home Loans for Self-Employed Borrowers in Florida

Self-employed income is real income — it just needs the right loan to count it. Bank-statement and non-QM programs were built for you.

12–24mo
Statements
Non-QM
Available
No
Tax-Return Trap
Call Now
Get Pre-Approved in Self-Employed Borrowers
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Self-Employed Borrowers · Florida

Home Loans for Self-Employed Borrowers From a Florida Mortgage Broker

Being self-employed should not mean a harder mortgage, but a tax return full of deductions tells a lender you earn less than you do. We fix that with a bank-statement loan that counts deposits, a P&L program, or a non-QM structure made for independent earners. We document the income the way that qualifies you for the home you can actually afford.

The hurdle is usually the same one. Write-offs that cut your tax bill also cut the income a traditional lender will count. So a strong business can still look weak on a 1040. As a broker, not a single bank, we focus on bank statement and profit-and-loss loan programs. We shop the file to the lenders that write it well.

Programs That Fit Self-Employed Borrowers

✓Bank statement loan. Qualify on 12–24 months of deposits instead of tax returns, so write-offs do not sink you.
✓P&L loan. A CPA-prepared profit-and-loss statement stands in for full tax documentation.
✓Non-QM loan. Flexible underwriting built for business owners who do not fit the agency box.
✓Conventional loan. Still the cheapest option when two years of returns show enough net income.

How Self-Employed Borrowers Qualify

1

Gather 12–24 months of business or personal bank statements showing steady deposits.

2

Have your CPA prepare a current profit-and-loss statement if we go the P&L route.

3

Show the business has been operating for at least two years in most cases.

4

Keep personal and business accounts clean for the months before you apply.

No single program wins for everyone. We compare these side by side for your numbers at no cost, then shop the file to the lenders that write it well.

What to Bring
✓12–24 months of bank statements
✓CPA-prepared P&L
✓Business license
✓Two months of personal statements
✓Photo ID
How It Works
01
Apply Online
5 min · soft credit pull only
02
Match Program
We shop lenders for self-employed borrowers
03
Processing
Our team handles paperwork
04
Close
Typically 14–21 days
FAQ

Self-Employed Borrowers Home Loan Questions

How do self-employed borrowers prove income for a mortgage?

Either with two years of tax returns, or with a bank-statement loan that uses 12–24 months of deposits, or a CPA P&L. Self-employed borrowers with significant write-offs almost always qualify for more on a bank-statement program. We pick the route that fits.

Can I get a mortgage with only one year of self-employment?

Sometimes. A few bank-statement and non-QM programs accept a one-year history with strong, steady deposits, especially if you have prior experience in the same field. Two years is the norm, so we review your specifics and the available programs.

Official resources

Verify the details for your own situation against these government and agency sources: IRS ITIN overview and CFPB non-QM explainer.

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Home Loans for Self-Employed Borrowers?

A licensed Florida mortgage broker who shops the loan for you. 5-minute pre-approval, honest rates.

(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.

Similar Florida Buyers

Buyers with the same qualifying picture read these too: Business Owners, Small Business Owners, Freelancers, 1099 Borrowers, Restaurant Owners, General Contractors, Electricians, and Plumbers. The loan strategy overlaps, so the same programs usually apply.