Non-QM Mortgage Florida Florida
Home loans for self-employed borrowers, business owners, investors, and ITIN holders who don't fit conventional lending boxes. No W2 required. Florida-based non-QM mortgage broker.
Florida Home Loans for Self-Employed Borrowers
Non-QM (non-qualified mortgage) loans exist specifically for Florida borrowers who have the income and assets to support a mortgage but don't meet conventional lending documentation requirements. Furthermore, self-employed Floridians are particularly well-served by these programs.
A non-QM mortgage qualifies the borrower using alternative income documentation — 12 or 24 months of bank statements, asset depletion, P&L statements, or 1099s — instead of W2s and tax returns. Additionally, as a retail mortgage broker (not a wholesale-only lender like Angel Oak), Mortgage Capital works directly with you to find the best non-QM program for your situation.
Florida's large self-employed population — restaurant owners, contractors, healthcare professionals, real estate investors, tech entrepreneurs — makes non-QM one of the highest-demand programs in our service area. However, non-QM rates are typically 1–2% higher than conventional, so we always compare all available options.
Florida Non-QM Mortgage — Get Pre-Qualified
Self-employed · 1099 · ITIN · Foreign National · Bank Statement · Asset Depletion · NMLS# 1859012
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.