Self-Employed Refinance Guide in Florida

The complete guide to a self-employed refinance in Florida — how it works, who it fits, what it costs, and the step-by-step path from application to closing.

Bank statements

Income Proof

Often none

Tax Returns

620

Min Score

1099 & business owners

Florida

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NMLS# 1859012 · Equal Housing Lender

Self-Employed Refinance · Guide

Self-Employed Refinance Guide in Florida

This guide walks the full self-employed refinance process: confirming it fits your goal, checking your equity and credit, gathering documentation, shopping lenders, locking the rate, and closing. The order matters — confirm the refinance helps you before you spend on an appraisal or application. We manage every step and tell you honestly when waiting is the better call.

Self-employed Florida homeowners are often penalized at refinance time because write-offs shrink their reported income. A bank-statement or 1099 refinance qualifies you on actual deposits or contractor income instead of adjusted tax returns.

Traditional refinances use your net taxable income, which for a business owner can look far smaller than what you really earn. Bank-statement programs average 12-24 months of deposits; 1099 programs use your gross contractor income. Either can unlock a refinance a conventional lender would deny.

These are non-QM loans, so pricing runs slightly above conventional — but for someone who cannot document income the old way, it is the difference between refinancing and not. We shop the self-employed lenders to keep the rate as tight as possible.

Self-Employed Refinance at a Glance

✓Qualify on bank deposits or 1099 income, not tax returns.

✓Built for business owners whose write-offs shrink AGI.

✓12-24 months of statements typically averaged.

✓We shop non-QM lenders to minimize the rate premium.

Read the full self-employed refinance guide, or explore: Requirements · Rates · Calculator.

Self-Employed Refinance Snapshot

Income ProofBank statements

Tax ReturnsOften none

Min Score620

Florida1099 & business owners

How It Works

Apply Online

5 min · soft credit pull only

Break-Even Check

We confirm the savings beat the cost

Processing

Our team handles paperwork

Typically 21–30 days

FAQ

Self-Employed Refinance Questions

What is the process for a self-employed refinance?

A self-employed refinance runs from goal-check to application, documentation, lender shopping, rate lock, and closing — usually a few weeks. We handle the steps and confirm the math favors you before any cost is incurred.

Can I refinance if I am self-employed in Florida?

Yes. Bank-statement and 1099 refinance programs qualify you on real income — deposits or contractor pay — instead of adjusted tax returns. This is ideal for owners whose deductions make their taxable income look small. We match you to the right non-QM lender.

How many bank statements do I need to refinance?

Most bank-statement programs use 12 or 24 months of personal or business statements and average the deposits to set your income. We tell you which period gives you the strongest qualifying number before you apply.

Keep Going

Self-Employed Refinance Guide Self-Employed Refinance · Requirements Self-Employed Refinance · Rates Self-Employed Refinance · Calculator All Refinance Options Get a Refinance Quote

Self-Employed Refinance Guide?

A licensed Florida mortgage broker who runs your break-even before you pay a cent — honest numbers, no pressure.

(561) 300-0380

Figures are illustrative only and vary by credit score, loan amount, equity, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.