HomeHome LoansSmall Business OwnersHow to Qualify
Small Business Owners · How to Qualify

How Small Business Owners Can Qualify for a Home Loan in Florida

Qualifying as one of Florida's small business owners comes down to documenting income the right way and clearing a few simple steps. Here is exactly what it takes.

Call Now
Get Pre-Approved in Small Business Owners
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Small Business Owners · Florida

How Small Business Owners Qualify in Florida

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. Clear that, and the rest is straightforward. Here are the steps.

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.

Documents to Have Ready
12–24 months of bank statements
CPA-prepared P&L
Business license
Two months of personal statements
Photo ID

Not sure which loan to qualify for? Start with the best programs for small business owners, then apply.

Keep Going
Home Loans for Small Business Owners OverviewBest Programs for Small Business OwnersAll Florida Home LoansAll Loan ProgramsApply for Pre-Approval

Home Loans for Small Business Owners?

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.