Home Loans for Real Estate Agents in Florida

Real estate agents earn commission income that lenders treat cautiously — we document it the right way so your own purchase goes as smoothly as your clients’.

2-Yr

Income Averaged

Bank Stmt

Alternative

Write-offs

Planned For

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Get Pre-Approved in Real Estate Agents

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Real Estate Agents · Florida

Home Loans for Real Estate Agents From a Florida Mortgage Broker

A real estate agent’s income rises and falls with the market and the calendar. Lenders smooth that by averaging two years and deducting write-offs, which can undercount a strong recent year. We document your production carefully or move to a bank-statement program that counts deposits, and we keep your file clean so your closing is as easy as the ones you run for clients.

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 Real Estate Agents

✓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 real estate agents 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 real estate agents

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

Real Estate Agents Home Loan Questions

Why is it hard for real estate agents to get approved?

It usually is not the income — it is how write-offs reduce the income a lender will count. Agents deduct mileage, marketing, and fees, which lowers taxable income and the qualifying figure. A bank-statement loan sidesteps this by reading deposits instead of net tax income.

Should an agent use a conventional or bank-statement loan?

Conventional is cheaper when two years of returns show enough net income. A bank-statement loan wins when write-offs make the returns look weaker than your real cash flow. We run both and recommend the one that approves you for the right amount at the best cost.

Keep Going

Best Programs for Real Estate Agents How Real Estate Agents Qualify All Florida Home Loans All Loan Programs Apply for Pre-Approval

Home Loans for Real Estate Agents?

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.