12–24 Mo Statements · Self-Employed

Bank Statement Loan in Sarasota, FL

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

$480,000

Median Home Price

12–24 Mo Statements

Bank Statement Highlight

34236

Primary ZIP

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Get Pre-Approved in Sarasota

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Bank Statement Loan · Sarasota

Bank Statement Loans From Your Sarasota 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.

Sarasota's median near $480,000 puts many purchases at the move-up end of Sarasota County. Loan size and structure start to matter there. We line up the Bank Statement terms against that price point before you commit.

Sarasota's arts scene and Gulf beaches anchor an upscale market where conventional and jumbo financing cover most purchases.

What a Bank Statement Loan Offers in Sarasota

✓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 Sarasotaprice 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 Sarasota Loans

Bank Statement Loan Snapshot

Qualifies On12–24 mo of deposits

Minimum Down10–20%

Tax ReturnsNot required

Best ForSelf-employed & 1099 earners

CitySarasota

CountySarasota County

Broker NMLS#1859012

How It Works in Sarasota

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 Sarasota

Get Pre-Approved

FAQ

Bank Statement Loan in Sarasota Questions

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

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

How fast can a bank statement loan close in Sarasota?

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 Sarasota closing on schedule.

More Sarasota Loan Programs

Other Loans We Write in Sarasota

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

Can I get a mortgage while self-employed?Can I qualify with one year of self-employment?Do I need two years of self-employment to qualify?What is a 1099 income loan?What is the debt-to-income ratio for a mortgage?What is the 28/36 rule for mortgages?

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Tools & Programs

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