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12–24 Mo Statements · Self-Employed

Bank Statement Loan in Coral Springs, FL

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

$490,000
Median Home Price
12–24 Mo Statements
Bank Statement Highlight
33065
Primary ZIP
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Get Pre-Approved in Coral Springs
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Bank Statement Loan · Coral Springs

Bank Statement Loans From Your Coral Springs 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.

Coral Springs's median near $490,000 puts many purchases at the move-up end of Broward County. Loan size and structure start to matter there. We line up the Bank Statement terms against that price point before you commit.

Coral Springs ranks among Florida's top family cities, and its established neighborhoods sit near the conforming line, making conventional and high-balance loans the workhorses here. A significant portion of buyers are foreign nationals relocating from Latin America — we originate foreign national mortgages in Coral Springs with as little as 25% down, no U.S. citizenship required.

What a Bank Statement Loan Offers in Coral Springs

✓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 Coral Springsprice 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
CityCoral Springs
CountyBroward County
Broker NMLS#1859012
How It Works in Coral Springs
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 Coral Springs
Get Pre-Approved
FAQ

Bank Statement Loan in Coral Springs Questions

Can I buy a home in Coral Springs 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 Coral Springs 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 Coral Springs, FL?

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

How fast can a bank statement loan close in Coral Springs?

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 Coral Springs closing on schedule.

More Coral Springs Loan Programs

Other Loans We Write in Coral Springs

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 Coral Springs borrowers ask us before they start a bank statement loan application.

Can I get a mortgage with write-offs on my taxes?What is a non-QM loan?Can I get a mortgage with 1 year self-employment?What is a bank statement loan?Can I buy a home with a 620 credit score?Can I use overtime income to qualify?
Browse all mortgage questions→
Tools & Programs
MarketSouth Florida Housing Market ReportCredit Score660 Score, FHA LoanCalculatorInvestment Property CalculatorbuyersAirline Pilots Home LoansProperty Type55+ Community Home: ConventionalGlossaryNon-QM Loan: definitionrefinanceInvestment Property Refinance: GuideGuideComplete Seller Concessions Guide
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Coral Springs Mortgage BrokerBank Statement Loan Program GuideAll Florida Loan ProgramsAll Florida CitiesApply for Pre-Approval

Bank Statement Loan in Coral Springs?

Your local Coral Springs 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.