Florida Home Loans · Travel Nurses

Home Loans for Travel Nurses in Florida

Contract pay, stipends, and gaps between assignments confuse most lenders. We count the wages and stipends correctly so your strong income shows.

Wages+Stipend

Counted

2-Yr

Contracts

Gaps

Explained

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Get Pre-Approved in Travel Nurses

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Travel Nurses · Florida

Home Loans for Travel Nurses From a Florida Mortgage Broker

Travel nurses earn a high blended income — taxable wages plus tax-free housing and per-diem stipends — across assignments that change every few months. A standard lender sees the gaps and the stipends and gets confused. We separate taxable wages from stipends, average a two-year contract history, and document continuity so a travel nurse qualifies on the full strength of the income.

The hurdle is usually the same one: Stipends, per-diem, and contract gaps make a strong income look choppy to a lender expecting one steady employer. As a broker rather than a single bank, we focus on loan programs built for travel and variable-schedule income and shop the file to the lenders that write it well.

Programs That Fit Travel Nurses

✓Conventional loan. Works once we average the contract income across a two-year history.

✓Bank statement loan. Reads the deposits when contract pay and stipends are hard to document.

✓FHA loan. A flexible-credit option with a documented work history.

✓Non-QM loan. Built for income that does not fit a tidy salaried profile.

Want the detail? See the best loan programs for travel nurses or walk through how to qualify step by step.

What to Bring

✓Two years of W2s or 1099s

✓Recent contracts or assignment letters

✓Bank statements

✓Reserves documentation

✓Photo ID

How It Works

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for travel nurses

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

Travel Nurses Home Loan Questions

How do travel nurses qualify for a mortgage?

We average your contract income over two years and document the wages and stipends separately. A consistent assignment history, even across hospitals, proves stability. Where documentation is tricky, a bank-statement loan reads the deposits. We choose what counts the most income.

Do housing stipends count as income for a travel nurse?

Often yes, when there is a documented two-year history of receiving them. Tax-free stipends are handled separately from taxable wages and may be treated favorably. We document the pattern so your full blended income works in the approval.

Keep Going

Best Programs for Travel Nurses How Travel Nurses Qualify All Florida Home Loans All Loan Programs Apply for Pre-Approval

Home Loans for Travel Nurses?

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.