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1099 & Business Owners

Self-Employed Loan in Miami, FL

Your licensed Miami mortgage broker for self-employed loans. We shop multiple lenders to find the right Self-Employed terms for your Miami purchase, and keep the file moving to the closing table.

$620,000
Median Home Price
1099 & Business Owners
Self-Employed Highlight
33101
Primary ZIP
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Get Pre-Approved in Miami
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Self-Employed Loan · Miami

Self-Employed Loans From Your Miami Mortgage Broker

Self-employed borrowers have more mortgage options than most realize. Between conventional with two years of returns, bank statement programs, and 1099-only qualifying, the right path depends on how your income shows up on paper.

Miami's median near $620,000 puts many purchases at the move-up end of Miami-Dade County. Loan size and structure start to matter there. We line up the Self-Employed terms against that price point before you commit.

Miami runs the full spectrum, from downtown and Brickell condo towers to single-family neighborhoods. Condo financing is its own challenge here, so we vet warrantability and HOA budgets early, and we work with ITIN and foreign-national borrowers regularly.

What a Self-Employed Loan Offers in Miami

✓Conventional with two years of tax returns when income is clean
✓Bank statement qualifying when write-offs lower taxable income
✓1099-only programs for contractors
✓Profit-and-loss options for some business types
✓Two-year self-employment history is the usual baseline
✓We match the program to how you actually earn

As a broker, not a bank, we compare self-employed loan pricing across lenders at no cost. You get real numbers for your Miamiprice 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 Self-Employed Loan program guide. Or review the CFPB's homebuyer guide for the official rules behind the program.

Self-Employed Loan Snapshot
OptionsConventional, bank statement, 1099
History2 years self-employed (typical)
Minimum Down3–20% by program
Best ForBusiness owners & contractors
CityMiami
CountyMiami-Dade County
Broker NMLS#1859012
How It Works in Miami
01
Apply Online
5 min · soft credit pull only
02
Match Program
We shop lenders for your Self-Employed terms
03
Processing
Our team handles paperwork
04
Close
We coordinate title and signing in Miami
Get Pre-Approved
FAQ

Self-Employed Loan in Miami Questions

How do I get a mortgage in Miami if I am self-employed?

Start by deciding which income picture is stronger: your tax returns or your deposits. If returns show solid income, conventional works in Miami. If write-offs shrink the taxable number, a bank statement loan reads your real cash flow instead. We compare both for you.

How long do I need to be self-employed?

Two years is the standard baseline. Some programs accept one year of self-employment with a prior history in the same field. We confirm which programs your timeline opens.

Where can I get a self-employed loan in Miami, FL?

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

How fast can a self-employed loan close in Miami?

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 closing on schedule.

More Miami Loan Programs

Other Loans We Write in Miami

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Miami
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VA
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USDA
Miami
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Conventional
Miami
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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.

Self-Employed Loan Questions

What Miami borrowers ask us before they start a self-employed loan application.

What is a non-QM loan?What is a bank statement loan?What is a 1099 income loan?How many months of bank statements do I need?How long do mortgage inquiries stay on my credit?Can I get a mortgage with a new job?
Browse all mortgage questions→
Tools & Programs
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Miami Mortgage BrokerSelf-Employed Loan Program GuideAll Florida Loan ProgramsAll Florida CitiesApply for Pre-Approval

Self-Employed Loan in Miami?

Your local Miami 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.