1099 & Business Owners

Self-Employed Mortgage in Miami, FL

Your licensed Miami mortgage broker for self-employed mortgages. We shop multiple lenders to find the right Self-Employed terms for your Miamipurchase, and close in 14–21 days.

$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

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NMLS# 1859012 · Equal Housing Lender

Self-Employed Mortgage · Miami

Self-Employed Mortgages 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, where loan size and structure start to matter. 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 Mortgage 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 rather than a bank, we compare self-employed mortgage pricing across lenders for your Miamiprice point at no cost. 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 Mortgage program guide.

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

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your Self-Employed terms

Processing

Our team handles paperwork

In Miami — typically 14–21 days

FAQ

Self-Employed Mortgage 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 mortgage in Miami, FL?

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

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

Most Miami loans close in 14–21 days, with pre-approval usually under 24 hours. The exact timeline shifts with the program, the property, and the seller. A fully underwritten pre-approval is the best way to keep your Miami closing on schedule.

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Miami Mortgage Broker Self-Employed Mortgage Program Guide All Florida Loan Programs All Florida Cities Apply for Pre-Approval

Self-Employed Mortgage in Miami?

Your local Miamimortgage broker — 5-minute pre-approval, honest rates, fast closing.

(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.