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Bank Statement Loans in Florida

Looking for bank statement loans Florida? Self-employed in Florida and your tax returns don’t show what you really earn? Bank statement loans Florida borrowers use your business or personal deposits to calculate income. Sam Gorniak (NMLS #1954721) of Atlantic Trust Mortgage (NMLS #239592) compares bank statement programs from multiple wholesale lenders.

Apply Online or Get Pre-Approved   Call Sam: (904) 687-9274

How Bank Statement Loans Work

Instead of tax returns, the lender reviews 12 or 24 months of bank statements and calculates qualifying income from your deposits, often applying an expense factor for business accounts. Some programs also accept a CPA-prepared profit and loss statement or 1099s.

Who They Fit

  • Business owners, contractors, and realtors
  • Gig workers and 1099 earners
  • Borrowers with large write-offs
  • Buyers purchasing a primary home, second home, or investment property

What to Prepare

  • 12 or 24 months of business or personal bank statements
  • Proof you have been self-employed (often two years), such as a business license or CPA letter
  • Credit report and asset statements for reserves

Investors may also want to compare a DSCR loan, which qualifies on rental income.

Schedule a free bank statement loans Florida consultation with Sam.

Bank Statement Loans Florida FAQ

Do bank statement loans require tax returns?
No. Income is calculated from deposits, so personal and business tax returns are usually not required.

Can I use personal or business statements?
Many programs accept either. Business statements typically use an expense factor.

Are bank statement loans only for self-employed borrowers?
They are designed for self-employed and 1099 borrowers.

Serving all of Florida, including Jacksonville, St Augustine, Nocatee, Ponte Vedra Beach, St Johns, Fleming Island, and the rest of Northeast Florida.

Talk to Sam

Apply online or call Sam Gorniak at (904) 687-9274. You can also estimate a payment with our Florida mortgage calculator.

Saverio (Sam) Gorniak, NMLS #1954721. Atlantic Trust Mortgage, NMLS #239592. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Programs and terms may change without notice. This page is general information, not tax or legal advice.