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12–24 Mo Statements · Self-Employed

Bank Statement Loan in Miami Beach, FL

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

$750,000
Median Home Price
12–24 Mo Statements
Bank Statement Highlight
33139
Primary ZIP
Get Pre-ApprovedCall Now
Get Pre-Approved in Miami Beach
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Bank Statement Loan · Miami Beach

Bank Statement Loans From Your Miami Beach 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.

At a median around $750,000, Miami Beach runs into higher-balance territory in Miami-Dade County. A Bank Statement loan here rewards shopping. Reserves, rate structure, and overlays vary between lenders.

Miami Beach is condo country, from Art Deco walk-ups to oceanfront high-rises. Warrantability, HOA reserves, and the post-Surfside inspection rules decide whether a loan closes, so we pre-screen the building first.

What a Bank Statement Loan Offers in Miami Beach

✓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 Miami Beachprice 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
CityMiami Beach
CountyMiami-Dade County
Broker NMLS#1859012
How It Works in Miami Beach
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 Miami Beach
Get Pre-Approved
FAQ

Bank Statement Loan in Miami Beach Questions

Can I buy a home in Miami Beach 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 Miami Beach 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 Miami Beach, FL?

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

How fast can a bank statement loan close in Miami Beach?

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 Miami Beach closing on schedule.

More Miami Beach Loan Programs

Other Loans We Write in Miami Beach

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USDA
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Conventional
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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 Miami Beach borrowers ask us before they start a bank statement loan application.

Can I get a mortgage as an Uber driver?Do I need 2 years of tax returns to buy a home?What is a non-QM loan?Can I get a mortgage as a gig worker?Can I buy a home with a 580 credit score?Do medical bills affect my mortgage approval?
Browse all mortgage questions→
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Bank Statement Loan in Miami Beach?

Your local Miami Beach 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.