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12–24 Mo Statements · Self-Employed

Bank Statement Loan in Boca Raton, FL

Your licensed Boca Raton mortgage broker for bank statement loans. We shop multiple lenders to find the right Bank Statement terms for your Boca Raton purchase, and keep the file moving to the closing table.

$620,000
Median Home Price
12–24 Mo Statements
Bank Statement Highlight
33432
Primary ZIP
Get Pre-ApprovedCall Now
Get Pre-Approved in Boca Raton
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Bank Statement Loan · Boca Raton

Bank Statement Loans From Your Boca Raton Mortgage Broker

A bank statement loan qualifies self-employed borrowers on deposits instead of tax returns. Business owners who write off heavily often show little taxable income, and this program reads the real money moving through your accounts.

Boca Raton's median near $620,000 puts many purchases at the move-up end of Palm Beach County. Loan size and structure start to matter there. We line up the Bank Statement terms against that price point before you commit.

Boca Raton sits firmly in jumbo and high-balance territory. Its FAU and corporate crowd means we regularly place professionals into physician and asset-based programs alongside standard conventional financing.

What a Bank Statement Loan Offers in Boca Raton

✓Qualifies on 12–24 months of bank deposits
✓No tax returns required
✓Built for self-employed and 1099 borrowers
✓10–20% down depending on the file
✓660+ score is the common starting point
✓Personal or business accounts both work

As a broker, not a bank, we compare bank statement loan pricing across lenders at no cost. You get real numbers for your Boca Ratonprice point. Start with a five-minute application or call (561) 300-0380 and we will map the numbers to your situation. You can also read the full Bank Statement Loan program guide. Or review the CFPB's homebuyer guide for the official rules behind the program.

Bank Statement Loan Snapshot
Qualifies On12–24 mo of deposits
Minimum Down10–20%
Tax ReturnsNot required
Best ForSelf-employed & 1099 earners
CityBoca Raton
CountyPalm Beach County
Broker NMLS#1859012
How It Works in Boca Raton
01
Apply Online
5 min · soft credit pull only
02
Match Program
We shop lenders for your Bank Statement terms
03
Processing
Our team handles paperwork
04
Close
We coordinate title and signing in Boca Raton
Get Pre-Approved
FAQ

Bank Statement Loan in Boca Raton Questions

Can I buy a home in Boca Raton without tax returns?

Yes. A bank statement loan reads your deposits over the past 12 to 24 months instead of your returns, which is ideal for Boca Raton business owners whose write-offs shrink their taxable income. We average the deposits to build your qualifying figure.

How many months of statements do I need?

Most programs use 12 or 24 months. Twenty-four months smooths out seasonal swings and often improves the qualifying income. We pick the window that puts your strongest numbers forward.

Where can I get a bank statement loan in Boca Raton, FL?

Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) writing bank statement loans in Boca Raton and across Palm Beach County. As a broker we shop multiple lenders for the program. You see real Boca Raton pricing rather than one bank's box. Call (561) 300-0380 or apply online.

How fast can a bank statement loan close in Boca Raton?

The timeline depends on the program, the appraisal, the title work, and how quickly the seller and their lender respond, so we do not quote a fixed number of days. We return most pre-approval decisions within one business day and order third-party reports as early as the contract allows. A fully underwritten pre-approval is the strongest way to keep your Boca Raton closing on schedule.

More Boca Raton Loan Programs

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Official resources

Verify the details for your own situation against these government and agency sources: IRS ITIN overview and CFPB non-QM explainer.

Bank Statement Loan Questions

What Boca Raton borrowers ask us before they start a bank statement loan application.

What is a non-QM loan?Can I get a mortgage with 1 year self-employment?What is a bank statement loan?Can I get a mortgage while self-employed?What credit score do I need to buy a house?How much income do I need to buy a $500,000 home?
Browse all mortgage questions→
Tools & Programs
MarketMortgage Rate Predictions This YearGuideComplete FHA Streamline Refinance GuideProperty TypeGated Community Home FinancingCredit Score760 Score, JUMBO LoanDown Payment3.5% Down with First-Time BuyersGlossaryAmortization Schedule: definitionCalculatorBlended Rate CalculatorLoan ProgramPiggyback (80-10-10)
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Boca Raton Mortgage BrokerBank Statement Loan Program GuideAll Florida Loan ProgramsAll Florida CitiesApply for Pre-Approval

Bank Statement Loan in Boca Raton?

Your local Boca Raton mortgage broker. 5-minute pre-approval, honest rates, fast closing.

Get Pre-Approved(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.