Bank Statement Florida Mortgage Lenders

How Do I get a Mortgage In Florida With No Tax Returns?

Self-Employed Mortgage Using Bank Statements For Income

Self-employed Florida mortgage applicants usually have a lot of write-offs in their tax returns so they can avoid paying taxes. They may even report their company is operating at a loss to the IRS. Obviously, they don’t qualify to get a home with FannieMae or Freddie Mac because they do not report income. We have lenders that will loan you the funds you need without providing tax returns using business per personal bank statements. These loans are available for Primary, Second homes, and Investment properties in All of Florida! 

No Tax Return Mortgage Lenders Options

• Use Personal Bank Statements: You can qualify using 12 or 24 months bank statements and use Up To 100 percent of deposits if they came from a Business Bank Account.
• Use Business Bank Statements: You can qualify with 12 or 24 months of bank statements and count up to 90% percent of the deposits. A self-employment questionnaire is usually required to determine your income. For example, if you are a 1099 realtor with no money for rent, or cost you can use up to 90% of your income to qualify.
• Use 1099s For Income: Some lenders will allow 2 years of 1099s and 2 months of recent bank statements along with a bank statement questionnaire to understand your expenses.
• Use Lease Agreements: As long as the lease agreements are enough to cover the mortgage payments lenders will lend up to 80% loan to value with no income verification needed.
•  

What Does The Application Process Look Like?

Bank statement mortgage loans are processed through a manual underwriting process. This means the income is calculated by a person so the process can take 24 -48 hours. We will also need a full bank statement questionnaire to understand your business expenses. For a bank statement loan, the lender only backs out your bare-bone minimum business expenses. You can use the rest of your income to qualify for a mortgage!

Florida Bank Statement Mortgage Lenders Questionnaire?

Eligible For Bank Statement Florida Mortgage Lenders

• U.S. Citizen • Permanent Resident Alien, Business and/or Florida Incorporation

Personal Bank Statement Florida Mortgage Lenders

MUST BE SELF-EMPLOYED TO QUALIFY FOR NO TAX RETURN BANK STATEMENT MORTGAGE LENDERS.
Using Personal Bank Statements to Qualify
 Verify within 60-days of the Note date that the business has a minimum two-year operating history with one of the following; a letter from either the
business’s tax professional, regulatory agency, or licensing bureau, certifying two years of self-employment in same business.
 Verify within 30 days of the note that the business is active and operating with either a phone listing and/or business address using directory assistance or internet search e.g. Facebook (Independent Contractors with income reported on 1099s exempt from requirement).
 Most recent 24 months’ personal bank statements – Utilize 24 months’ average deposits to qualify (minus disqualified/unrelated deposits)
 Most recent 3 months business bank statements – Demonstrate transfers from business to personal bank account statements provided
 Borrowers must own a minimum of 25% of business to be considered Self-Employed, for use of personal bank statements.
 Qualifying income may not exceed the income indicated on the initial 1003.
 No more than two personal accounts may be used for income analysis and no business or co-mingles accounts, may be used for income analysis.
Personal Bank Statement Analysis
 Income should be calculated based on a 24-month average of total deposits minus any unusually large deposits exceeding 50% of the monthly income
(as defined by Fannie Mae) into personal accounts must be explained via LOE. If LOE is sufficient, no sourcing required.
 A pattern of deposits and payments should be consistent
 ATM deposits may be included if a consistent pattern of such deposits is present;
 Expectations of changes in deposit pattern must be considered;
 Income documented separately but comingled must be backed out of deposits;
 Three months of business bank statements;
o Must evidence activity to support business operations, and
o Reflect transfers to the personal account

Business FL Bank Statement Mortgage Lenders

Using Florida Business Bank Statements / Co-mingled (Business & Personal) to Qualify
 Verify within 60-days of the Note date that the business has a minimum two-year operating history with one of the following; a letter from either the
business’s tax professional, regulatory agency or licensing bureau, certifying two years of self-employment in the same business. Borrowers utilizing Florida business bank statements that own > 50% but < 100% of a business will be qualified at net income multiplied by their ownership.
 Verify within 30 days of the not that the business is active and operating with either a phone listing and/or business address using directory assistance or
internet search e.g. Facebook (Independent Contractors with income reported on 1099s exempt from requirement).
 The maximum number of businesses is one and up to three business / co-mingled accounts is allowed. Personal account(s) cannot be used.
 Business / co-mingled account(s) must be for the same business / company.
 Qualifying income is the lower of the documented option or the income indicated on the initial Mortgage Loan Application.

Income Calculation / Documentation – Florida Bank Statements from Business or co-mingled Account
 Florida no tax return mortgage lenders should provide notes of their analysis on the U/W approval form/1008/or within the bank statement analysis.
 Expenses must be reasonable for the type of business;
 The pattern of deposits and payments should be consistent;
 Expectations of changes in deposit pattern must be considered
 Income documented separately but co-mingled must be backed out of the deposit
 Inconsistent or large deposits should be sourced or excluded from the analysis. The definition of a large deposit is any deposit exceeding 50% of the average monthly sales of the business.
 Nonprofit Entity not eligible
 Deposits from alternative payment processing applications (i.e., Square, Venmo) are eligible.

(Option 1)Florida No Income Verification Option.

1. 24-Month P&L FL Statement Mortgage Lenders.
o 24 Month P&L prepared by CPA or EA
o 24 Months of business bank statements covering the most recent time period and matching the time period of the P&L.
o P&L Sales/Revenue must be supported by the provided bank statements. Total deposits per bank statement, minus any inconsistent
deposits, must be no more than 15% below revenue reflected on P&L. The bank statements and P&L must cover the same time period.
Qualifying income.

(Option 2) Florida No Income Verification Option.

2. Business Expense Statement Letter: (Option 2)
o An expense statement specifying business expenses (minimum expense ratio is 10%) as a percent of the gross annual sales/revenue
prepared and signed by a CPA or EA
o 24 months of business bank statements covering the most recent time period.
o Net Income is determined by total deposits per bank statement less total expenses. Total expenses are calculated by multiplying total deposits by
the expense factor provided by CPA or EA.
o Expenses must be reasonable for the type of business.
o GBL reserves the right, to require additional documentation if the expense ratio appears unreasonable for any business entity.

(Option 3) Florida No Income Verification Option.

3. 50% Net Margin 
o A business narrative provided by the borrower’s business which includes details regarding the industry, size, and operating profile of the
business, addressing location/rent, number of employees/contractors, COGS, and physical assets such as trucks/equipment (owned or leased).
The business narrative form is to be completed by an employee (non-relative) of the borrower’s business, with knowledge and information of the
operations and finances of the business. Typical positions held by this employee would include: Controller, Treasurer, V.P. Finance, Finance
Manager, or Accounting Manager. This form can also be completed by a third-party individual with direct knowledge of the borrower’s business,
such as a Certified Public Accountant or an IRS Enrolled Agent
o Businesses within an industry that experience higher expense ratios are not eligible for this method. Higher expense ratio industries include but
are not limited to the following: Construction, Manufacturing, Retail/Wholesale trade, Hospitality, Food and Beverage Services, and
Transportation.
o 24 months of business bank statements covering the most recent time-period.
o The deposits from the most recent bank statement must be consistent with the qualifying income.
o GBL reserves the right, at the reviewer’s discretion, to require additional documentation if the expense ratio appears unreasonable for any
business entity
o Qualifying income is the lower of (a) total deposits per bank statement, minus any inconsistent deposits, multiplied by 50%, divided by the number
of bank statements (24) or (b) the income indicated on the initial 1003.
 Net Income = Total Eligible Deposits * Borrower Ownership Percentage  50% 24 months

Using Rental income To Qualify

Rental income may be included in loan qualification for Alt Doc income types, to be considered the following documentation must be provided:
 Long-Term Rental:
o A copy of the lease(s) for the rental property.
o Must provide two (2) months of proof of the receipt of rental income. The deposits must be to a separate bank account. Any deposits in the
business bank statements used in the business income analysis are not eligible.
o 75% of the verified monthly rental income can be used to offset the PITIA of the rental property.
o If the deposits cannot be validated in a separate account, the full PITIA of the rental unit must be included in the qualifying DTI ratio.
 Short Term Rental (refi only):
o Property leased on a short-term basis utilizing an on-line service such as Airbnb gross monthly rents can be determined by using a 12-month
look back period to account for seasonality.
o Rents for the look-back period must be documented with either 12-monthly statements or an annual statement provided by the on-line service.
In the event the borrower owns a single rental property, bank statements with deposits clearly identified/sourced as rental income can be
substituted. If two or more rental properties are owned, statements from an online service must be provided to associate rents received with the
specific property.

 Long Term Rental Departing Residency
o A copy of the lease(s) for the rental property.

o Must provide evidence of one (1) month security/damage deposit and first month rental payment. The deposits must be to a personal or co-
mingled bank account, any deposits in the business bank statements used in the business income analysis are not eligible.

 75% of the verified monthly rental income can be used.
 If the deposits cannot be validated, the full PITIA of the rental unit must be included in the qualifying DTI ratio.
o Underwriter to ensure deposits are not used for business income calculations

Using Assets For Income To Qualify

The Asset Utilization is an option for an underwriter to use a Borrower’s liquid assets to augment income for qualification purposes
Restrictions
 Non-occupant co-borrowers are not allowed
 Max 43% DTI
 Minimum 680 Credit Score
 Gift Funds not eligible
 Max LTV/CLTV: 85%
 Max LTV/CLTV Cash Out: 75%
 Max Loan Amount: $2,500,000
Asset Utilization Qualifying Method
 Minimum Eligible Assets required is the lower of $1,000,000 or 150% of the loan balance after down payment, closing costs and required reserves
 Debt Ratio Calculation: Qualifying income based upon Total Assets Eligible for Depletion, less down payment, less out of pocket closing costs, less
required reserves, divided by 84
Asset Utilization Income Documentation
 All individuals listed on the asset account(s) must be on the Note and Mortgage;
 Assets considered for this program must be verified with most recent three (3) months of account statements or a VOD;
 Assets must be seasoned 120-days;
Assets Eligible for Depletion
Assets must be liquid and available with no penalty; additional documentation may be requested to validate the origin of the funds:
 100% of Checking, Saving and Money Market Accounts
 70% of Stocks, Bonds and Mutual Funds
 70% of Retirement Assets: Eligible if the borrower is of retirement age (at least 59 1⁄2)
 60 of retirement Assets: Eligible if the borrower is not of retirement age.
Assets Ineligible for Depletion
 Equity in Real Estate
 Privately traded or restricted/non-vested stocks
 Any assets which produces income already included in the income calculation
 Any assets held in the name of a business.

Miscellaneous Sources Of Income

Self-Employed/Wage Earner Combination – Full documentation from a Co-Applicant who is not self-employed may be used to supplement bank statements.
Contact us for updated guidelines for additional information on acceptable sources. Taxable income is counted on a “gross” amount regardless of the net
deposit shown on bank statements
Other Income Sources
 Applicants who have supplemental income sources may utilize them to qualify provided the history of receipt and continuance requirements under the full
documentation guidelines are met. The Applicant utilizing bank statement income must still earn the majority of their income from self-employed activity. The
acceptable supplemental income sources are limited to: social security, pension, alimony, child support, asset distribution/utilization, and second job income.

Credit For Bank Statement Florida Mortgage Lenders

• Each no-tax return Florida mortgage applicant must have three trade lines and a credit history covering 24 months. One trade line must have been active within the last 6 months. At least one trade line must be seasoned for 24 months. The same trade line may be used to cover both the 24-month history and operational requirements. The trade lines do not need to be open. If an Applicant’s spouse is the only Co-Applicant listed, only one Applicant is required to meet the guidelines.
• Credit lines on which the borrower is not obligated to make payments are not acceptable for establishing a minimum history. Examples of unacceptable
tradelines include loans in a deferment period, collection or charged-off accounts discharged through bankruptcy, and authorized user accounts.
Student loans can be counted as tradelines as long as they are in repayment and are not deferred.
• Any active non-mortgage account can be no more than 30-days delinquent at the time of application. Any delinquent account must either be brought current or paid off at closing.
• Alimony may be deducted from income rather than included as a liability, provided the alimony payments are tax-deductible to the payor. Otherwise, have as a liability. Child support must be included as a liability.

Housing Payment History For Bank Statement Florida Mortgage Lenders

 Most recent12 months’ proof of housing payment history is required.
 If a borrower’s mortgage or rental history is not reported on the credit report, a VOM/VOR must be provided. Any VOM/VOR completed by a private-party Seller or any non-institutional lender must be supported by alternative documentation showing the most recent 12-month history (canceled checks,
mortgage/rental statements including payment history, etc.) must be provided. In addition, if the subject transaction is secured by a non-institutional lender,
the mortgage payoff statement should be reviewed to determine that no late fees or delinquent interest is included in the payoff amount. A borrower’s
combined mortgage/rental history is used for program or grade eligibility. For properties owned free and clear, a property profile report or similar document
showing no lien against the property should be provided in the credit file.
 Any VOM/VOR completed by an institutional servicer or property management company does not require canceled checks. An institutional servicer/lender
must be servicing a minimum of 100 accounts.
 Private party promissory notes must be provided.
 Borrowers who live rent-free or without a complete 12-month housing history

o Maximum LTV/CLTV of 75%
o Maximum DTI of 43%.
o Any available portion of a 12-month housing history must be paid as agreed.
o Borrower(s) who own their primary residence free and clear is not considered living rent-free.
o Borrower(s) who sold a primary residence within the past six (6) months and are currently residing rent-free until the subject transaction closes
are not considered living rent-free.

Credit For Installment Debt For Bank Statement Florida Mortgage Lenders

Credit Installment Debt Installment debt is a monthly obligation with fixed payments and terms. Payments on installments must be included in the borrower’s debt-to-income (DTI) ratio. Payments can be excluded if there are 10 or fewer monthly payments remaining to pay the debt in full. If the payment is substantial and exceeds 5% of the borrower’s qualifying income, the overall transaction should be reviewed to ensure the remaining payments will not impact the borrower’s ability to handle the new mortgage payment. Installment debt payments must be paid in full or prior to closing and can be excluded from the debt-to-income ratio. Supporting documentation, such as a credit supplement or direct verification from the creditor, must be obtained as evidence the debt has been paid in full.

Bank Statement Florida Mortgage Coverage Areas:

Jacksonville
Miami
Tampa
Orlando
St. Petersburg
Port St. Lucie
Tallahassee
Cape Coral
Fort Lauderdale
Pembroke Pines
Hollywood
Miramar
Gainesville
Coral Springs
Lehigh Acres
Clearwater
Brandon
Palm Bay
Spring Hill
Pompano Beach
West Palm Beach
Miami Gardens
Lakeland
Davie
Boca Raton
Jacksonville FL
Miami FL
Riverview
Sunrise
Plantation
Deltona
Alafaya
Town ‘n’ Country
Miami Beach
Palm Coast
Largo
Fort Myers
Melbourne
The Villages
Pine Hills
Deerfield Beach
Boynton Beach
Kendall
Kissimmee
Lauderhill
Weston
Homestead
Delray Beach
North Port
Daytona Beach
Poinciana
Tamarac
Jupiter
Wellington
Port Charlotte
Port Orange
The Hammocks
North Miami
Doral
Palm Harbor
Coconut Creek
Wesley Chapel
Sanford
Ocala
Fountainebleau
Margate
Sarasota
Bonita Springs
Bradenton
Palm Beach Gardens
Tamiami
Kendale Lakes
Westchester
Pinellas Park
St. Cloud
Pensacola
Apopka
Country Club
Coral Gables
University CDP
Ocoee
Titusville
Horizon West
Four Corners
Fort Pierce
Oakland Park
Winter Garden
North Lauderdale
Altamonte Springs
Cutler Bay
Ormond Beach
Winter Haven
North Miami Beach
North Fort Myers
Greenacres
Oviedo
Valrico
The Acreage
Hallandale Beach
Royal Palm Beach
Plant City
Meadow Woods
Land O’ Lakes
Lake Worth Beach
Kendall West
Egypt Lake-Leto
Navarre
Aventura
Richmond West
Winter Springs
Clermont
University
Dunedin
Lauderdale Lakes
Panama City
Cooper City
South Miami Heights
Princeton
Carrollwood
Buenaventura Lakes
Riviera Beach
Merritt Island
Golden Glades
DeLand
Estero
Fruit Cove
Parkland
East Lake
West Little River
Lake Magdalene
Dania Beach
Ferry Pass
Lakeside
Miami Lakes
Winter Park
Fleming Island
Golden Gate
East Lake-Orient Park
Vero Beach South
Casselberry
Oakleaf Plantation
Immokalee
Rockledge
Citrus Park
New Smyrna Beach
Temple Terrace
Leisure City
Bayonet Point
Lakewood Ranch
Sun City Center
Ruskin
Sebastian
Coral Terrace
Tarpon Springs
Keystone
Haines City
Palm Springs
Bloomingdale
Palm City
Silver Springs Shores
South Bradenton
Ives Estates
Crestview
Wright
Northdale
Palm River-Clair Mel
Key West
Palmetto Bay
Wekiwa Springs
Port St. John
Edgewater
Oak Ridge
Venice
Jacksonville Beach
Fish Hawk
Hialeah Gardens
Apollo Beach
West Melbourne
Westchase
Leesburg
The Crossings
Lutz
Jasmine Estates
West Pensacola
Fort Walton Beach
Pace
Sunny Isles Beach
Brent
Naples
Lealman
Ensley
Bellview
Florida Ridge
DeBary
Eustis
Holiday
Liberty Triangle
Lynn Haven
Sweetwater
Palm Valley
Bayshore Gardens
Cocoa
Punta Gorda
Hunters Creek
Belle Glade
Bartow
Englewood
Midway CDP
Bradfordville
Pinecrest
Marion Oaks
World Golf Village
Seminole
Country Walk
San Carlos Park
Upper Grand Lagoon
Gibsonton
Marco Island
Safety Harbor
Maitland
Lake Butler CDP
Glenvar Heights
Brownsville
Tavares
Vero Beach
Myrtle Grove
Pinewood
Lake Mary
Ojus
Nocatee
South Venice
New Port Richey
Lake Wales
Palmetto Estates
Stuart
Southchase
Auburndale
Zephyrhills
Opa-locka
Warrington
Lady Lake
Niceville
Longwood
Azalea Park
Three Lakes
Bellair-Meadowbrook Terrace
Groveland
St. Augustine
West Park
Lockhart
Sunset
Oldsmar
Hobe Sound
Callaway
Homosassa Springs
Thonotosassa
Destin
Villas
East Milton
West Lealman
Olympia Heights
Gonzalez
Lakewood Park
Viera West
Mount Dora
Fruitville
Miami Springs
Atlantic Beach
Palmer Ranch
Palmetto
Jensen Beach and Forest City
Iona
Gladeview
Yulee
Conway
South Daytona
North Palm Beach
Sarasota Springs
Jupiter Farms
Elfers
Key Biscayne
Cypress Lake
Trinity
Panama City Beach
Fernandina Beach
Wilton Manors
Middleburg
Goldenrod
Gulfport
Viera East
Naranja
Holly Hill
Orange City
Minneola
Lake City
Laurel
Shady Hills
Port Salerno
Cheval
Fuller Heights
South Miami and Lantana
Westview
Florida City
Cocoa Beach
Mango
Lakeland Highlands
Pine Castle
Highland City
Medulla
Pasadena Hills
Hudson
Lighthouse Point
Goulds
Pebble Creek
Westwood Lakes
Celebration
Doctor Phillips
Satellite Beach
On Top of the World
Asbury Lake
Union Park
Memphis
New Port Richey East
Gateway
Avon Park
West Vero Corridor
Sebring
Sugarmill Woods
Cape Canaveral
Palatka
Progress Village
Miami Shores
Fairview Shores
Bee Ridge
Milton
Rotonda
Bithlo
Cypress Gardens
Westgate
Wimauma
Alachua
St. Augustine Shores
Key Largo
West Perrine
Bardmoor
Richmond Heights
St. Pete Beach
Pine Ridge CDP
Beverly Hills
Fruitland Park
Citrus Springs
Springfield
Micco
Hernando
Southeast Arcadia
Miramar Beach
Palm Beach
Orange Park
Marathon
Fern Park
Lake Park
Gulf Gate
Indian Harbour Beach
Brooksville
North Merritt Island
Green Cove Springs
Seffner
Arcadia
Broadview Park
West Miami
North Bay Village
Southwest Ranches
Clewiston
McGregor
Odessa
Citrus Hills
Wedgefield
North Weeki Wachee
Williamsburg
Lake Lorraine
Orlovista
Inverness
Sanibel
Wildwood
Longboat Key
Dade City
Quincy
South Apopka
Lecanto
Neptune Beach
Sky Lake
Fort Pierce North
Inwood
West Samoset
Willow Oak
Mims
Belle Isle and River Park
Indiantown
South Patrick Shores
Inverness Highlands South
Fort Myers Beach
Beacon Square
St. Augustine Beach
Ormond-by-the-Sea
Vero Lake Estates
Live Oak
Treasure Island
Heathrow
Perry
Loughman
Fort Myers Shores
Macclenny
Gulf Breeze
Pembroke Park
Lauderdale-by-the-Sea
DeFuniak Springs
South Bay
Southgate
Marianna
Lely Resort
Indian River Estates
Kathleen
Naples Manor
Islamorada, Village of Islands
Pahokee
Pelican Bay
Osprey
Crystal Lake
Jan Phyl Village
Combee Settlement
Fort Meade
Naples Park
Tequesta
South Gate Ridge
Newberry
Mascotte
Lake Alfred
Ocean City
Cocoa West
High Springs
South Highpoint
Bay Harbor Islands
Ellenton
Palm Springs North
Fellsmere
Valparaiso
Surfside
Rio Pinar
Siesta Key
Okeechobee
Whiskey Creek
Davenport
Burnt Store Marina
Butler Beach
C
Cabana Colony
Campbell
Canal Point
Captiva
Carrollwood
Cedar Grove
Celebration
Charleston Park
Charlotte Harbor
Charlotte Park
Cheval
Chokoloskee
Christmas
Chuluota
Chumuckla
Citrus Hills
Citrus Park
Citrus Springs
Clarcona
Cleveland
Cobbtown
Cocoa West
Combee Settlement
Connerton
Conway
Coral Terrace
Cortez
Country Club
Country Walk
Crawfordville
Crescent Beach
Crooked Lake Park
Crystal Lake
Crystal Springs
Cudjoe Key
Cypress Gardens
Cypress Lake
Cypress Quarters
D
Dade City North
Day
DeLand Southwest
De Leon Springs
Desoto Lakes
Dickerson City
Dixonville
Doctor Phillips
Dover
Duck Key
E
East Bronson
East Lake
East Lake-Orient Park
East Milton
East Palatka
East Williston
Eastpoint
Eglin AFB
Egypt Lake-Leto
Elfers
Ellenton
Englewood
Ensley
F
Fairview Shores
Feather Sound
Ferndale
Fern Park
Ferry Pass
Fidelis
Fisher Island
Fish Hawk
Five Points
Flagler Estates
Fleming Island
Floral City
Florida Ridge
Floridatown
Forest City
Fort Denaud
Fort Green
Fort Green Springs
Fort Myers Shores
Fort Pierce North
Fort Pierce South
Fontainebleau
Four Corners
Franklin Park
Fruit Cove
Fruitville
Fuller Heights
Fussels Corner
G
Garcon Point
Garden Grove
Gardner
Gateway
Geneva
Gibsonton
Gifford
Gladeview
Glencoe
Glenvar Heights
Golden Gate
Golden Glades
Goldenrod
Gonzalez
Goodland
Gotha
Goulding
Goulds
Greenbriar
Grenelefe
Grove City
Gulf Gate Estates
Gun Club Estates
H
Harbor Bluffs
Harbour Heights
Harlem
Harlem Heights
Harold
Heathrow
Heritage Pines
Hernando
Hernando Beach
Highland City
High Point
Hill ‘n Dale
Hillsboro Pines
Hobe Sound
Holden Heights
Holiday
Holley
Homeland
Homestead Base
Homosassa
Homosassa Springs
Horizon West
Hosford
Hudson
Hunters Creek
Hutchinson Island South
I
Immokalee
Indian River Estates
Indiantown
Inverness Highlands North
Inverness Highlands South
Inwood
Iona
Island Walk
Istachatta
Ives Estates
J
Jan Phyl Village
Jasmine Estates
Jensen Beach
June Park
Juno Ridge
Jupiter Farms
K
Kathleen
Kendale Lakes
Kendall
Kendall West
Kensington Park
Kenwood Estates
Key Largo
Keystone
Key Vista
L
Lacoochee
Laguna Beach
Lake Belvedere Estates
Lake Butler
Lake Harbor
Lake Hart
Lake Kathryn
Lakeland Highlands
Lake Lindsey
Lake Lorraine
Lake Mack-Forest Hills
Lake Magdalene
Lake Mary Jane
Lake Mystic
Lake Panasoffkee
Lake Sarasota
Lakeside
Lakewood Park
Lamont
Land o’ Lakes
Laurel
Lealman
Lecanto
Lehigh Acres
Leisure City
Lely
Lely Resort
Lemon Grove
Limestone
Limestone Creek
Lisbon
Lloyd
Lochmoor Waterway Estates
Lockhart
Loughman
Lower Grand Lagoon
Lutz
M
Manasota Key
Manatee Road
Mango
Masaryktown
Matlacha
Matlacha Isles-Matlacha Shores
McGregor
Meadow Oaks
Meadow Woods
Medulla
Memphis
Merritt Island
Micco
Middleburg
Midway, Santa Rosa County
Midway, Seminole County
Mims
Miramar Beach
Molino
Montura
Moon Lake
Morriston
Mount Carmel
Mount Plymouth
Mulat
Munson
Myrtle Grove
N
Naples Manor
Naples Park
Naranja
Nassau Village-Ratliff
Navarre
Navarre Beach
New Port Richey East
Nobleton
Nocatee
Nokomis
North Brooksville
North DeLand
North Fort Myers
North Key Largo
North River Shores
North Sarasota
North Weeki Wachee
Northdale
O
Oakleaf Plantation
Oak Ridge
Ocean City
Odessa
Ojus
Okahumpka
Olga
Olympia Heights
Ona
Orangetree
Oriole Beach
Orlovista
Ormond-by-the-Sea
Osprey
P
Pace
Page Park
Paisley
Palm City
Palm Harbor
Palm River-Clair Mel
Palm Springs North
Palm Valley
Palmetto Estates
Palmona Park
Panacea
Paradise Heights
Pasadena Hills
Patrick SFB
Pea Ridge
Pebble Creek
Pelican Bay
Pine Air
Pine Castle
Pine Hills
Pine Island
Pine Island Center
Pine Lakes
Pine Level
Pine Manor
Pine Ridge, Citrus County
Pine Ridge, Collier County
Pineland
Pinewood
Pioneer
Pittman
Plantation
Plantation Island
Plantation Mobile Home Park
Poinciana
Point Baker
Port Charlotte
Port LaBelle
Port St. John
Port Salerno
Pretty Bayou
Princeton
Progress Village
Punta Rassa
Q
Quail Ridge
R
Raleigh
Richmond Heights
Richmond West
Ridge Manor
Ridge Wood Heights
Ridgecrest
Rio
Rio Pinar
River Park
River Ridge
Riverview
Roeville
Roosevelt Gardens
Roseland
Rotonda
Royal Palm Estates
Ruskin
S
Samoset
Samsula-Spruce Creek
San Carlos Park
San Castle
Sarasota Springs
Sawgrass
Schall Circle
Seffner
Seminole Manor
Seville
Shady Hills
Sharpes
Siesta Key
Silver Lake
Silver Springs Shores
Sky Lake
Solana
Sorrento
South Apopka
South Beach
South Bradenton
South Brooksville
South Gate Ridge
South Highpoint
South Miami Heights
South Patrick Shores
South Sarasota
South Venice
Southchase
Southeast Arcadia
Southgate
Spring Hill
Spring Lake
Spring Ridge
Springhill
St. Augustine Shores
St. Augustine South
St. James City
Stacey Street
Steinhatchee
Stock Island
Sugarmill Woods
Sumatra
Sun City Center
Suncoast Estates
Sunset
T
Taft
Tamiami
Tangelo Park
Tangerine
Tavernier
Taylor Creek
The Acreage
The Crossings
The Hammocks
The Meadows
The Villages
Thonotosassa
Three Lakes
Three Oaks
Tice
Tierra Verde
Tiger Point
Tildenville
Timber Pines
Town ‘n’ Country
Trilby
Trinity
Tyndall AFB
U
Union Park
University, Hillsborough County
University, Orange County
University Park
Upper Grand Lagoon
V
Valrico
Vamo
Venice Gardens
Vero Beach South
Verona Walk
Viera East
Viera West
Villano Beach
Villas
Vineyards
W
Wabasso
Wabasso Beach
Wacissa
Wahneta
Wallace
Warm Mineral Springs
Warrington
Washington Park
Watergate
Watertown
Waukeenah
Waverly
Wedgefield
Weeki Wachee Gardens
Wekiwa Springs
Wesley Chapel
West Bradenton
West DeLand
West Lealman
West Little River
West Pensacola
West Perrine
West Samoset
West Vero Corridor
Westchase
Westchester
Westgate
Westview
Westwood Lakes
Whiskey Creek
White City
Whitfield, Manatee County
Whitfield, Santa Rosa County
Williamsburg
Williston Highlands
Willow Oak
Wimauma
Windsor
Winter Beach
Wiscon
Woodlawn Beach
Woodville
World Golf Village
Wright
Y
Yalaha
Yeehaw Junction
Yulee
Z
Zellwood
Starke
Zephyrhills West
Tice
Three Oaks and River Ridge
Warm Mineral Springs
Zephyrhills South
The Meadows
Port LaBelle
LaBelle
Floral City
Pensacola Station
Kenneth City
South Brooksville
White City
South Pasadena
Cortez
Timber Pines
Flagler Beach
Belleview
Hutchinson Island South
Samsula-Spruce Creek
Lochmoor Waterway Estates
St. Augustine South
South Sarasota
June Park
Brookridge
Connerton
Plantation
Ridge Wood Heights
Big Pine Key
Pea Ridge
Bay Hill
Butler Beach
Mount Plymouth
Wauchula
Nassau Village-Ratliff
Fussels Corner
Suncoast Estates
Dundee
Samoset
Lower Grand Lagoon
Rainbow Springs and Stock Island
Clarcona
Charlotte Harbor
Pine Manor
Ridge Manor
Daytona Beach Shores
Gifford
Fort Pierce South
Parker
Whitfield CDP
Mary Esther
Taylor Creek
Madeira Beach
Holmes Beach
Laguna Beach
Indian Rocks Beach and Buckingham
Indian River Shores
Grant-Valkaria
Moon Lake
Orangetree
Belleair
Jasper
Lake Sarasota
Mulberry
Crawfordville
Ave Maria
Sawgrass
Nokomis
Woodville
San Castle
Lake Panasoffkee
Tierra Verde
Wahneta
Balm
High Point
Highland Beach
Goulding
North River Shores
Ridgecrest
Harbour Heights
Umatilla
Alturas
West Bradenton
Watergate
Bagdad
Zephyrhills North
Lake Clarke Shores
Juno Beach
Chipley
Rainbow Lakes Estates
Loxahatchee Groves
Lely
Tiger Point
Montura
St. James City
Holden Heights
Port St. Joe
Cedar Grove
Windermere
Kensington Park
Venice Gardens
Feather Sound
Ocala Estates
Vineyards
Winter Beach
Silver Springs
Flagler Estates
South Beach
Woodlawn Beach
Blountstown
Ponce Inlet
West DeLand
Melbourne Beach
North Brooksville
Frostproof
Hilliard
Bushnell
Geneva
Crystal River
Midway city and Hill ‘n Dale
Chattahoochee
Malabar
Harbor Bluffs
Dover
Biscayne Park
Grenelefe
Point Baker
Oakland
Alva
De Leon Springs
Bal Harbour
Edgewood
Seminole Manor
Tangerine
Bowling Green
Pretty Bayou
Port Richey
Tangelo Park
Indialantic
Zellwood
Bunnell
Meadow Oaks
Island Walk
Hypoluxo
Quail Ridge
Madison
Lake Helen
Olga
Greenbriar
Eagle Lake
Bay Pines
Sharpes
Inverness Highlands North
Williston
Harlem
Bonifay
Cleveland
Carrabelle
Vamo
Cabana Colony
Big Coppitt Key
Wallace
Verona Walk
Cross City
Apalachicola
Dade City North
Eastpoint
Florida Gulf Coast University
Hernando Beach
Pine Air
Hurlburt Field
Berkshire Lakes
Vilano Beach
Eglin AFB
Freeport
Haverhill
Lake Mack-Forest Hills
Williston Highlands
Polk City
Eatonville
Watertown
Dunnellon
Virginia Gardens
Chiefland
Belleair Bluffs
Lake Placid
Moore Haven
North Sarasota
Astatula
Campbell
Monticello
Pelican Marsh
Pine Island Center
Mangonia Park
Silver Lake
Holley
Havana
Graceville
Cudjoe Key
Zolfo Springs
Sewall’s Point
Burnt Store Marina
Sneads
Redington Shores
Bear Creek
Manatee Road
Malone
Lake Belvedere Estates
Tyndall AFB
Roosevelt Gardens
El Portal
Tropical Park
Trenton
Oak Hill
Washington Park
Gotha
Fort Denaud
Grove City
Century
Tavernier
Hillsboro Beach
Chuluota
Lake Mary Jane and Montverde
Desoto Lakes
Atlantis
Charlotte Park
Wabasso Beach
South Palm Beach
Lake Kerr
Interlachen
Howey-in-the-Hills
Homosassa
Heritage Pines
Pine Ridge
Inglis
Wewahitchka
Crescent City and Limestone Creek
Lacoochee
Oriole Beach
Key Vista
Plantation Mobile Home Park
Boulevard Gardens
Patrick AFB and Ocean Ridge
East Palatka
Palm Shores
Royal Palm Estates
Christmas
Manasota Key
Crooked Lake Park
Navarre Beach
Taft
Punta Rassa
Baldwin
Roseland
Franklin Park
Yalaha
Bokeelia
Mayo
Lake Hamilton
Rainbow Park
Cypress Quarters
Ocklawaha
Hawthorne
Lake Butler
Pierson
Keystone Heights
Old Miakka
East Bronson
Belleair Beach
Buckhead Ridge
Babson Park
Glencoe
Midway
Callahan
DeLand Southwest
Mexico Beach
Molino
Harlem Heights
Greenville
Solana
Hastings
Paisley
Verandah
St. Leo
Five Points
Heritage Bay
North Redington Beach
Astor
Redington Beach
Indian Shores
Juno Ridge
Fanning Springs
Pomona Park
San Antonio
Gretna
Kenwood Estates
Desoto Acres and Weeki Wachee Gardens
Palm Beach Shores
Chokoloskee
Webster
Pine Lakes
North DeLand
Black Diamond
Archer
Bronson
Gun Club Estates
Anna Maria
Crescent Beach
Black Hammock
Harold
Bristol
Lawtey
Medley
Silver Springs Shores East
Masaryktown
Center Hill
Garden Grove
St. George Island
White Springs
Chumuckla
Welaka
Andrews
Waldo
Coleman
Seville
Bradenton Beach
Raleigh
Gulf Stream
North Key Largo
Westlake
Crystal Springs
Scottsmoor
Branford
Jupiter Island
Fort Braden
Matlacha
Cedar Key
Shalimar
Melbourne Village
Cottondale
Grand Ridge
Wiscon
Allentown
Jennings
St. Lucie Village
Duck Key
Palmona Park
Panacea
Briny Breezes
Lake Kathryn
Waverly
Homestead Base
Marco Shores-Hammock Bay
Rio
Bradley Junction and Fort White
Greensboro
Wabasso
Ponce de Leon
Indian Lake Estates
Cinco Bayou
Glen St. Mary
Roeville
Paxton
Ona
Penney Farms
Acacia Villas
Vernon
Hosford
Hillsboro Pines
Whitfield
Page Park
Stacey Street
Greenwood
Lake Mystic
Pinecraft
Avalon
Schall Circle
Golden Beach
Laurel Hill
Yankeetown
Bell and Lee
Alford
Beverly Beach
Steinhatchee
Paradise Heights
Fort Green Springs
Key Colony Beach
Hampton
Jay
Sea Ranch Lakes
Ferndale
Reddick
Spring Lake
Garcon Point
Micanopy
Lemon Grove
Sopchoppy
Altha
Orchid
Lisbon
Canal Point
Jupiter Inlet Colony
East Williston
Chaires
Winding Cypress
Cloud Lake
Wausau
Lake Hart
Windsor and Pioneer
Brownsdale
Gardner
Fisher Island
Wacissa
La Crosse
St. Marks
McIntosh and Matlacha Isles-Matlacha Shores
Westville
Manalapan
Limestone
Brooker
Floridatown
Hillcrest Heights
Miccosukee
Esto
Capitola
Spring Ridge
Worthington Springs and Munson
Trilby
Noma
Ocean Breeze
Golf
Waukeenah
Pineland
Jacob City
Caryville
Pittman
Yeehaw Junction
Homeland
Everglades
Ebro
Raiford
Goodland
Campbellton
Glen Ridge and Highland Park
Nobleton
Fort Green
Berrydale
Fidelis
Captiva
Aucilla
Charleston Park
Morriston
Day
Aripeka
Okahumpka
Sorrento
Mount Carmel
Otter Creek
West Canaveral Groves
Pine Level
Lloyd
Mulat
Sumatra
Layton
Bascom
Belleair Shore
Springhill
Horseshoe Beach
Altoona
Dickerson City
Istachatta
Lake Harbor
Pine Island
Cobbtown
Tildenville and Bay Lake
Indian Creek and Dixonville
Lamont
Lazy Lake
Plantation Island
Marineland
Lake Buena Vista
Weeki Wachee
A
Acacia Village
Alafaya
Allentown
Altoona
Alturas
Alva
Andrews
Apollo Beach
Aripeka
Asbury Lake
Astor
Aucilla
Avalon
Azalea Park
B
Babson Park
Bagdad
Balm
Bardmoor
Bay Hill
Bayonet Point
Bay Pines
Bayport
Bayshore Gardens
Beacon Square
Bear Creek
Bee Ridge
Bellair-Meadowbrook Terrace
Bellview
Berrydale
Beverly Hills
Big Coppitt Key
Big Pine Key
Bithlo
Black Diamond
Black Hammock
Bloomingdale
Bokeelia
Boulevard Gardens
Bradley Junction
Brandon
Brent
Brewster
Broadview Park
Brookridge
Brownsdale
Brownsville
Buckhead Ridge
Buckingham
Buenaventura Lakes
Burnt Store Marina
Butler Beach
C
Cabana Colony
Campbell
Canal Point
Captiva
Carrollwood
Cedar Grove
Celebration
Charleston Park
Charlotte Harbor
Charlotte Park
Cheval
Chokoloskee
Christmas
Chuluota
Chumuckla
Citrus Hills
Citrus Park
Citrus Springs
Clarcona
Cleveland
Cobbtown
Cocoa West
Combee Settlement
Connerton
Conway
Coral Terrace
Cortez
Country Club
Country Walk
Crawfordville
Crescent Beach
Crooked Lake Park
Crystal Lake
Crystal Springs
Cudjoe Key
Cypress Gardens
Cypress Lake
Cypress Quarters
D
Dade City North
Day
DeLand Southwest
De Leon Springs
Desoto Lakes
Dickerson City
Dixonville
Doctor Phillips
Dover
Duck Key
E
East Bronson
East Lake
East Lake-Orient Park
East Milton
East Palatka
East Williston
Eastpoint
Eglin AFB
Egypt Lake-Leto
Elfers
Ellenton
Englewood
Ensley
F
Fairview Shores
Feather Sound
Ferndale
Fern Park
Ferry Pass
Fidelis
Fisher Island
Fish Hawk
Five Points
Flagler Estates
Fleming Island
Floral City
Florida Ridge
Floridatown
Forest City
Fort Denaud
Fort Green
Fort Green Springs
Fort Myers Shores
Fort Pierce North
Fort Pierce South
Fontainebleau
Four Corners
Franklin Park
Fruit Cove
Fruitville
Fuller Heights
Fussels Corner
G
Garcon Point
Garden Grove
Gardner
Gateway
Geneva
Gibsonton
Gifford
Gladeview
Glencoe
Glenvar Heights
Golden Gate
Golden Glades
Goldenrod
Gonzalez
Goodland
Gotha
Goulding
Goulds
Greenbriar
Grenelefe
Grove City
Gulf Gate Estates
Gun Club Estates
H
Harbor Bluffs
Harbour Heights
Harlem
Harlem Heights
Harold
Heathrow
Heritage Pines
Hernando
Hernando Beach
Highland City
High Point
Hill ‘n Dale
Hillsboro Pines
Hobe Sound
Holden Heights
Holiday
Holley
Homeland
Homestead Base
Homosassa
Homosassa Springs
Horizon West
Hosford
Hudson
Hunters Creek
Hutchinson Island South
I
Immokalee
Indian River Estates
Indiantown
Inverness Highlands North
Inverness Highlands South
Inwood
Iona
Island Walk
Istachatta
Ives Estates
J
Jan Phyl Village
Jasmine Estates
Jensen Beach
June Park
Juno Ridge
Jupiter Farms
K
Kathleen
Kendale Lakes
Kendall
Kendall West
Kensington Park
Kenwood Estates
Key Largo
Keystone
Key Vista
L
Lacoochee
Laguna Beach
Lake Belvedere Estates
Lake Butler
Lake Harbor
Lake Hart
Lake Kathryn
Lakeland Highlands
Lake Lindsey
Lake Lorraine
Lake Mack-Forest Hills
Lake Magdalene
Lake Mary Jane
Lake Mystic
Lake Panasoffkee
Lake Sarasota
Lakeside
Lakewood Park
Lamont
Land o’ Lakes
Laurel
Lealman
Lecanto
Lehigh Acres
Leisure City
Lely
Lely Resort
Lemon Grove
Limestone
Limestone Creek
Lisbon
Lloyd
Lochmoor Waterway Estates
Lockhart
Loughman
Lower Grand Lagoon
Lutz
M
Manasota Key
Manatee Road
Mango
Masaryktown
Matlacha
Matlacha Isles-Matlacha Shores
McGregor
Meadow Oaks
Meadow Woods
Medulla
Memphis
Merritt Island
Micco
Middleburg
Midway, Santa Rosa County
Midway, Seminole County
Mims
Miramar Beach
Molino
Montura
Moon Lake
Morriston
Mount Carmel
Mount Plymouth
Mulat
Munson
Myrtle Grove
N
Naples Manor
Naples Park
Naranja
Nassau Village-Ratliff
Navarre
Navarre Beach
New Port Richey East
Nobleton
Nocatee
Nokomis
North Brooksville
North DeLand
North Fort Myers
North Key Largo
North River Shores
North Sarasota
North Weeki Wachee
Northdale
O
Oakleaf Plantation
Oak Ridge
Ocean City
Odessa
Ojus
Okahumpka
Olga
Olympia Heights
Ona
Orangetree
Oriole Beach
Orlovista
Ormond-by-the-Sea
Osprey
P
Pace
Page Park
Paisley
Palm City
Palm Harbor
Palm River-Clair Mel
Palm Springs North
Palm Valley
Palmetto Estates
Palmona Park
Panacea
Paradise Heights
Pasadena Hills
Patrick SFB
Pea Ridge
Pebble Creek
Pelican Bay
Pine Air
Pine Castle
Pine Hills
Pine Island
Pine Island Center
Pine Lakes
Pine Level
Pine Manor
Pine Ridge, Citrus County
Pine Ridge, Collier County
Pineland
Pinewood
Pioneer
Pittman
Plantation
Plantation Island
Plantation Mobile Home Park
Poinciana
Point Baker
Port Charlotte
Port LaBelle
Port St. John
Port Salerno
Pretty Bayou
Princeton
Progress Village
Punta Rassa
Q
Quail Ridge
R
Raleigh
Richmond Heights
Richmond West
Ridge Manor
Ridge Wood Heights
Ridgecrest
Rio
Rio Pinar
River Park
River Ridge
Riverview
Roeville
Roosevelt Gardens
Roseland
Rotonda
Royal Palm Estates
Ruskin
S
Samoset
Samsula-Spruce Creek
San Carlos Park
San Castle
Sarasota Springs
Sawgrass
Schall Circle
Seffner
Seminole Manor
Seville
Shady Hills
Sharpes
Siesta Key
Silver Lake
Silver Springs Shores
Sky Lake
Solana
Sorrento
South Apopka
South Beach
South Bradenton
South Brooksville
South Gate Ridge
South Highpoint
South Miami Heights
South Patrick Shores
South Sarasota
South Venice
Southchase
Southeast Arcadia
Southgate
Spring Hill
Spring Lake
Spring Ridge
Springhill
St. Augustine Shores
St. Augustine South
St. James City
Stacey Street
Steinhatchee
Stock Island
Sugarmill Woods
Sumatra
Sun City Center
Suncoast Estates
Sunset
T
Taft
Tamiami
Tangelo Park
Tangerine
Tavernier
Taylor Creek
The Acreage
The Crossings
The Hammocks
The Meadows
The Villages
Thonotosassa
Three Lakes
Three Oaks
Tice
Tierra Verde
Tiger Point
Tildenville
Timber Pines
Town ‘n’ Country
Trilby
Trinity
Tyndall AFB
U
Union Park
University, Hillsborough County
University, Orange County
University Park
Upper Grand Lagoon
V
Valrico
Vamo
Venice Gardens
Vero Beach South
Verona Walk
Viera East
Viera West
Villano Beach
Villas
Vineyards
W
Wabasso
Wabasso Beach
Wacissa
Wahneta
Wallace
Warm Mineral Springs
Warrington
Washington Park
Watergate
Watertown
Waukeenah
Waverly
Wedgefield
Weeki Wachee Gardens
Wekiwa Springs
Wesley Chapel
West Bradenton
West DeLand
West Lealman
West Little River
West Pensacola
West Perrine
West Samoset
West Vero Corridor
Westchase
Westchester
Westgate
Westview
Westwood Lakes
Whiskey Creek
White City
Whitfield, Manatee County
Whitfield, Santa Rosa County
Williamsburg
Williston Highlands
Willow Oak
Wimauma
Windsor
Winter Beach
Wiscon
Woodlawn Beach
Woodville
World Golf Village
Wright
Y
Yalaha
Yeehaw Junction
Yulee
Z
Zellwood
Zephyrhills North
Zephyrhills South
Zephyrhills West