Home›Bank Statement Loan›Fort Lauderdale
12–24 Mo Statements · Self-Employed

Bank Statement Loan in Fort Lauderdale, FL

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

$520,000
Median Home Price
12–24 Mo Statements
Bank Statement Highlight
33301
Primary ZIP
Get Pre-ApprovedCall Now
Get Pre-Approved in Fort Lauderdale
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Bank Statement Loan · Fort Lauderdale

Bank Statement Loans From Your Fort Lauderdale 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.

Fort Lauderdale's median near $520,000 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.

Fort Lauderdale spans downtown high-rises, the beach, and canal-front neighborhoods, so the loan mix is just as varied. We handle warrantable and non-warrantable condo financing here as often as single-family conventional loans.

What a Bank Statement Loan Offers in Fort Lauderdale

✓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 Fort Lauderdaleprice 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
CityFort Lauderdale
CountyBroward County
Broker NMLS#1859012
How It Works in Fort Lauderdale
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 Fort Lauderdale
Get Pre-Approved
FAQ

Bank Statement Loan in Fort Lauderdale Questions

Can I buy a home in Fort Lauderdale 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 Fort Lauderdale 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 Fort Lauderdale, FL?

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

How fast can a bank statement loan close in Fort Lauderdale?

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 Fort Lauderdale closing on schedule.

More Fort Lauderdale Loan Programs

Other Loans We Write in Fort Lauderdale

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 Fort Lauderdale borrowers ask us before they start a bank statement loan application.

Can I get a mortgage with 1 year self-employment?How do lenders calculate self-employed income?What is a portfolio loan?Can I get a mortgage while self-employed?How much do I need to make to afford a $250,000 home?How long do I have to wait to buy after a short sale?
Browse all mortgage questions→
Tools & Programs
Credit Score640 Credit Score MortgageProperty TypeGolf Course Home: ConventionalGuideComplete Reverse Mortgage GuideMarketWhen Will Mortgage Rates DropbuyersCommission Earners Home LoansrefinanceFHA Streamline Refinance: RequirementsLoan ProgramPiggyback (80-10-10)CalculatorAmortization Calculator
Keep Exploring
LocationNokomis Mortgage BrokerLocationLochloosa Mortgage BrokerLocationSanford Mortgage BrokerLocationGainesville Mortgage BrokerLocationOxford Mortgage BrokerLocationGlen Saint Mary Mortgage Broker
This Program in Other Cities
Local ProgramBank Statement Loan in Fort MyersLocal ProgramBank Statement Loan in GainesvilleLocal ProgramBank Statement Loan in GreenacresLocal ProgramBank Statement Loan in HialeahLocal ProgramBank Statement Loan in HollywoodLocal ProgramBank Statement Loan in HomesteadLocal ProgramBank Statement Loan in JacksonvilleLocal ProgramBank Statement Loan in JupiterLocal ProgramBank Statement Loan in KissimmeeLocal ProgramBank Statement Loan in Lake Worth
Explore More
Fort Lauderdale Mortgage BrokerBank Statement Loan Program GuideAll Florida Loan ProgramsAll Florida CitiesApply for Pre-Approval

Bank Statement Loan in Fort Lauderdale?

Your local Fort Lauderdale 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.