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12–24 Mo Statements · Self-Employed

Bank Statement Loan in Palm Beach Gardens, FL

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

$560,000

Median Home Price

12–24 Mo Statements

Bank Statement Highlight

33410

Primary ZIP

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Get Pre-Approved in Palm Beach Gardens

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Bank Statement Loan · Palm Beach Gardens

Bank Statement Loans From Your Palm Beach Gardens 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.

Palm Beach Gardens's median near $560,000 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.

Home to corporate headquarters and gated golf communities, Palm Beach Gardens leans high-balance and jumbo. We shop reserves and rate structure hard for buyers at this price point.

What a Bank Statement Loan Offers in Palm Beach Gardens

✓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 Palm Beach Gardensprice 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.

Apply Now All Palm Beach Gardens Loans

Bank Statement Loan Snapshot

Qualifies On12–24 mo of deposits

Minimum Down10–20%

Tax ReturnsNot required

Best ForSelf-employed & 1099 earners

CityPalm Beach Gardens

CountyPalm Beach County

Broker NMLS#1859012

How It Works in Palm Beach Gardens

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your Bank Statement terms

Processing

Our team handles paperwork

We coordinate title and signing in Palm Beach Gardens

Get Pre-Approved

FAQ

Bank Statement Loan in Palm Beach Gardens Questions

Can I buy a home in Palm Beach Gardens 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 Palm Beach Gardens 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 Palm Beach Gardens, FL?

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

How fast can a bank statement loan close in Palm Beach Gardens?

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 Palm Beach Gardens closing on schedule.

More Palm Beach Gardens Loan Programs

Other Loans We Write in Palm Beach Gardens

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 Palm Beach Gardens borrowers ask us before they start a bank statement loan application.

What is an asset depletion loan?What is a 1099 income loan?Can I use 1099 income to qualify?Can I get a mortgage as an Uber driver?Do mortgage inquiries hurt my credit score?How long after Chapter 13 bankruptcy can I buy a home?

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