Bank Statement Loans in Florida
Bank statement loans in Florida allow borrowers to qualify for a mortgage using bank statements rather than tax returns. This type of mortgage unlocks homeownership opportunities for self-employed borrowers, business owners, and freelancers who may not see their full income reflected on their tax returns.
- Access home financing using bank statements
- No tax returns or pay stubs required
- Purchase, refinance, or cash-out options available
- Enjoy high loan amounts and flexible terms
- Competitive bank statement loan rates in Florida
Outstanding Client Experience
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Effortless Digital Mortgage PlatformWhy Bank Statement Loans Matter in Florida’s Market
Florida is home to 3.5 million small businesses — that’s 99.8% of all businesses in the state — and those businesses employ nearly 40% of Florida’s private-sector workforce. Almost 3 million of those are sole proprietors and nonemployer businesses, which encompass independent contractors, consultants, real estate investors, and tradespeople who handle their own operations.
Florida has a prominent entrepreneurial culture, making it a hotspot for small business owners and those with non-traditional income. The state ranked third in the nation for total nonemployer establishments as of 2022, behind only California and Texas.
Florida continues to demonstrate growth when it comes to small businesses. Between March 2023 and March 2024, small businesses in Florida accounted for over 100,000 new establishment openings, making up 77.4% of all opening and expanding establishments statewide during that period.
So what does this have to do with mortgages? These figures confirm that Florida has a sizable self-employed population, and many of them claim significant deductions related to their business that reduce their taxable income. This can make it almost impossible to qualify for a conventional loan.
That’s where a bank statement loan comes in. Whether you’re buying a primary residence in Tampa, refinancing a home in Miami, or purchasing an investment property in Jacksonville, a bank statement mortgage loan in Florida gives you a realistic path to financing that doesn’t require tax returns or pay stubs. Instead, you can qualify for a mortgage using 12-24 months of personal or business bank statements.
Today’s Bank Statement Loan Rates in Florida
Take a look at current bank statement loan rates in Florida for 2026.
- Rates module to be added here
Free Tools for Self-Employed Borrowers in Florida
- Bank Statement Loan Calculator: Get a better idea of the loan amount you could qualify for using bank statements. This calculator can help you better understand what a Florida bank statement loan could look like based on your finances.
- Bank Statement Loan Refinance Calculator: See if you could potentially save on your monthly mortgage payment by taking out a bank statement refinance loan.
- Home Affordability Calculator: Narrow down your homebuying budget using this free home affordability calculator.
- Housing Market Insights: Explore relevant market insights as you consider whether a Florida bank statement loan might be right for you. See details like estimated home values, transaction histories, and neighborhood appreciation trends.
Apply for a Bank Statement Home Loan in Florida
Bank statement mortgage loans in Florida provide a flexible route to homeownership when conventional loans can’t accommodate your finances. With this type of mortgage program, you can get a home loan in Florida without tax returns, access up to $4 million in financing, and qualify with as little as 10% down.
At Griffin Funding, we specialize in non-QM lending, which means we work with self-employed borrowers, business owners, and freelancers every day. As one of the top bank statement loan lenders in Florida, we offer a streamlined underwriting process and a wealth of expertise that allows buyers to accomplish their home buying goals.
Contact our team today to learn more about mortgage options in Florida for self-employed borrowers using bank statements. If you’re ready to take the first step and lock in your rate, get started online right away.
Frequently Asked Questions
Florida bank statement loans are primarily designed for self-employed borrowers, independent contractors, small business owners, freelancers, and gig workers. If you earn income that doesn’t show up cleanly on a W-2 — or if your tax returns significantly underrepresent your actual earnings due to deductions — you may be a good candidate.
Yes, as long as you properly factor these into your budget. Homeowners insurance in Florida has gotten expensive in recent years, and HOA fees can add meaningfully to monthly costs, especially in condo-heavy markets like Miami or South Florida.
These factors are worth factoring into your overall affordability picture. A loan officer can help you look at the full cost of ownership, not just the mortgage payment.
Yes. Griffin Funding offers bank statement loans across the state of Florida, including major metro areas like Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, and Naples, as well as smaller markets and rural areas.