Florida Home Loans · Truck Drivers

Home Loans for Truck Drivers in Florida

Owner-operators and 1099 drivers earn well but write off heavily. Bank-statement loans count the deposits, not the deductions.

12–24mo

Statements

Owner-Op

Per-Diem

Handled

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Get Pre-Approved in Truck Drivers

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Truck Drivers · Florida

Home Loans for Truck Drivers From a Florida Mortgage Broker

Truck drivers, especially owner-operators, deduct fuel, maintenance, and per-diem, which lowers taxable income far below real earnings. A bank-statement loan counts your deposits over 12–24 months, so a steady driver qualifies on actual cash flow. Company W2 drivers qualify on pay stubs, with per-diem handled separately. We match the loan to how you are paid.

The hurdle is usually the same one: Income that swings week to week and arrives across several apps confuses a lender that wants two clean pay stubs. As a broker rather than a single bank, we focus on bank statement and non-QM loans for variable income and shop the file to the lenders that write it well.

Programs That Fit Truck Drivers

✓Bank statement loan. Deposits across the year tell the real story better than a tax return full of mileage write-offs.

✓Non-QM loan. Underwriting designed for 1099 and platform income rather than a salaried W2.

✓FHA loan. Works once you have a documented two-year track record and a 580+ score.

✓Conventional loan. An option when two years of Schedule C income averages out strong.

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

What to Bring

✓12–24 months of bank statements

✓Two years of 1099s

✓Platform earnings summaries

✓Reserves documentation

✓Photo ID

How It Works

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for truck drivers

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

Truck Drivers Home Loan Questions

Can an owner-operator truck driver get a mortgage?

Yes. A bank-statement loan counts your business deposits over 12–24 months instead of write-off-reduced taxable income, which is ideal for owner-operators. Company drivers paid on a W2 qualify on pay stubs. We pick the path that counts the most of your income.

How is per-diem treated for a truck driver’s loan?

Per-diem is generally not counted as qualifying income because it offsets expenses, but it should not be double-counted against you either. We document it correctly so your taxable wages or deposits — not per-diem — drive the approval.

Keep Going

Best Programs for Truck Drivers How Truck Drivers Qualify All Florida Home Loans All Loan Programs Apply for Pre-Approval

Home Loans for Truck Drivers?

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.