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, 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 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.

Keep Going

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Home Loans for Realtors?

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.