Home Loans for Commission Earners in Florida

Whether you sell cars, software, or insurance, commission income needs the right loan strategy — we average it correctly or read your deposits instead.

2-Yr

Income Averaged

Bank Stmt

Alternative

Base+Comm

Both Counted

Call Now

Get Pre-Approved in Commission Earners

5 minutes · No cost · Soft credit pull only

I consent to receive SMS from HomeMTG.loans. Reply STOP to opt out. Msg & data rates may apply. (Optional)

NMLS# 1859012 · Equal Housing Lender

Commission Earners · Florida

Home Loans for Commission Earners From a Florida Mortgage Broker

Commission earners across every industry hit the same wall: a two-year average that can be dragged down by one weak year and trimmed by unreimbursed business expenses. We document a strong two-year history when it helps, and use a bank-statement program when your recent earnings outpace the average. The point is to qualify you on what you actually make now.

The hurdle is usually the same one: Lenders average commission income over two years, so one strong year alone rarely counts, and a slow stretch can drag the average down. As a broker rather than a single bank, we focus on commission-income and bank statement loan options and shop the file to the lenders that write it well.

Programs That Fit Commission Earners

✓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 commission earners 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 commission earners

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

Commission Earners Home Loan Questions

How much commission history do I need to buy a home?

Most loans want a two-year history of commission income, documented with 1099s or tax returns and averaged. Some bank-statement programs accept a shorter window if deposits are strong and steady. We tell you which path fits your timeline.

Does a base salary plus commission help my approval?

Yes. A stable base salary is counted in full and steadies the file, while the commission portion is averaged. The mix usually qualifies you for more than commission alone. We document both pieces so neither is left on the table.

Keep Going

Best Programs for Commission Earners How Commission Earners Qualify All Florida Home Loans All Loan Programs Apply for Pre-Approval

Home Loans for Commission Earners?

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.