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

Bank Statement Loan in Orlando, FL

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

$390,000
Median Home Price
12–24 Mo Statements
Bank Statement Highlight
32801
Primary ZIP
Get Pre-ApprovedCall Now
Get Pre-Approved in Orlando
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Bank Statement Loan · Orlando

Bank Statement Loans From Your Orlando 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.

With a median around $390,000, Orlando lands in Orange County's core first-time and move-up range. A Bank Statement loan fits squarely into how most buyers finance at this level.

Orlando's theme-park and tourism economy fuels one of Florida's busiest markets, from downtown condos to suburban family homes. First-time buyers rely heavily on FHA and Hometown Heroes.

What a Bank Statement Loan Offers in Orlando

✓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 Orlandoprice 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
CityOrlando
CountyOrange County
Broker NMLS#1859012
How It Works in Orlando
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 Orlando
Get Pre-Approved
FAQ

Bank Statement Loan in Orlando Questions

Can I buy a home in Orlando 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 Orlando 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 Orlando, FL?

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

How fast can a bank statement loan close in Orlando?

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 Orlando closing on schedule.

More Orlando Loan Programs

Other Loans We Write in Orlando

FHA
Orlando
View →
VA
Orlando
View →
USDA
Orlando
View →
Conventional
Orlando
View →
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 Orlando borrowers ask us before they start a bank statement loan application.

Do I need 2 years of tax returns to buy a home?What is a portfolio loan?Can I get a mortgage with write-offs on my taxes?What is a bank statement loan?How do I improve my credit score before buying?Can I get a mortgage with no credit history?
Browse all mortgage questions→
Tools & Programs
Loan ProgramFixed-Rate MortgagesDown Payment5% Down with FloridaGuideComplete Portfolio Loan GuiderefinanceSelf-Employed Refinance: CalculatorGlossaryInvestment Property: definitionProperty TypeVacation Home: RequirementsbuyersRealtors Home LoansCalculatorHome Insurance Calculator
Keep Exploring
Local RefinanceJumbo Refinance in TampaLocationOna Mortgage BrokerCredit EventChapter 7 Bankruptcy: FHALocationEl Portal Mortgage BrokerJournalHomeStyle Renovation Loan in Florida: The Conventional Answer to the 203kLocationWashington County County Mortgage Broker
This Program in Other Cities
Local ProgramBank Statement Loan in Palm Beach GardensLocal ProgramBank Statement Loan in Pembroke PinesLocal ProgramBank Statement Loan in PlantationLocal ProgramBank Statement Loan in Pompano BeachLocal ProgramBank Statement Loan in Port CharlotteLocal ProgramBank Statement Loan in Port St. LucieLocal ProgramBank Statement Loan in Royal Palm BeachLocal ProgramBank Statement Loan in SarasotaLocal ProgramBank Statement Loan in St. PetersburgLocal ProgramBank Statement Loan in Stuart
Explore More
Orlando Mortgage BrokerBank Statement Loan Program GuideAll Florida Loan ProgramsAll Florida CitiesApply for Pre-Approval

Bank Statement Loan in Orlando?

Your local Orlando 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.