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24 Months Bank Statement Florida Mortgage Lenders

24 Months Bank Statement Florida Mortgage Lenders

Florida Bank statement mortgage lenders were created for self-employed borrowers that write off all of their income.  Bank statement Florida mortgage lenders use 24 months of bank statements to average a borrower’s income for mortgage qualifying. These alt doc mortgage loans allow self-employed business owners and contractors who take major deductions to qualify for the home they truly deserve. 

Use Average 24 Months Bank Statement Deposits To Purchase Or Refinance A Florida Home!

 Bank Statement mortgage loans are the best option for eligible self-employed borrowers to purchase or refinance a home. This program allows mortgage lenders to use personal or business bank statements to calculate income with NO tax returns.

  • Loans from $100,000 to $3 million.
  • Single-family, townhomes, or condos.
  • Primary, second home, or investment properties.
  • Available for purchase, cash-out or rate-term refinance.
  • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu.
  • Primary, second home, or investment properties.
  • 24 or 24 months of business or personal bank statement.
  • 1099 income option available.
  • Non-warrantable condos allowed
  • 40-year fixed interest-only available.

Florida Bank Statment Mortgage Lenders Questionnaire

All Bank statement mortgage lenders require a questionnaire so that they can estimate an expense ratio.

24 Months Bank Statement Florida Mortgage Lenders Document ChecklistNO TAX RETURN CHECKLIST

Florida Bank Statement Mortgage Lenders  Income Sources
 Self Employed/Wage Earner Combination – Full documentation from a Co-Applicant who is not self-employed may be used to supplement bank statement.
See full documentation 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.

Eligible: U.S. Citizen • Permanent Resident Alien
• A Limited Power of Attorney (POA) is acceptable on Purchase or Rate and Term refinances (Not available on C/O) when following requirements are met:
POA is specific to the transaction, Recorded with the Mortgage/Deed of Trust, Contains an expiration date, Used only to execute the final loan documents,
The borrower who executed the POA signed the initial 1003 and No interested party to the transaction (such as property seller, broker, loan officer, realtor, etc.) may
act as Power of Attorney. In-Eligible: Foreign national • Non-Permanent Resident Aliens • Non-Occupant Co-Borrowers • Co-Signers • Guarantors • Any forms of a Trust

Bank Statement Florida Mortgage Lenders Income Calculation / Documentation – Bank Statements from Personal Account

BORROWERS MUST BE SELF-EMPLOYED TO QUALIFY FOR THIS PROGRAM.
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
businesses 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.
 Pattern of deposits and payment 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 business bank statements;
o Must evidence activity to support business operations, and
o Reflect transfers to the personal account

Using Business Bank Statements to Qualify
Using 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
businesses tax professional, regulatory agency or licensing bureau, certifying two-years of self-employment in same business. Borrowers utilizing 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 1003.
Documentation Options: See the following sections

1. (Option 1) 24-Month P&L Statement
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

2. (Option 2)Business Expense Statement Letter: 
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.

3. (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 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

Category: Popular Florida NO Tax Return Florida Mortgage Pages

 

24 Bank Statement Florida Mortgage Coverage Areas

View Map Alachua Florida Alachua 32615
View Map Alachua Florida Alachua 32616
View Map Alford Florida Jackson 32420
View Map Altamonte Springs Florida Seminole 32701
View Map Altamonte Springs Florida Seminole 32714
View Map Altamonte Springs Florida Seminole 32715
View Map Altamonte Springs Florida Seminole 32716
View Map Altha Florida Calhoun 32421
View Map Altoona Florida Lake 32702
View Map Alturas Florida Polk 33820
View Map Alva Florida Lee 33920
View Map Anna Maria Florida Manatee 34216
View Map Anthony Florida Marion 32617
View Map Apalachicola Florida Franklin 32320
View Map Apalachicola Florida Franklin 32329
View Map Apollo Beach Florida Hillsborough 33572
View Map Apopka Florida Orange 32703
View Map Apopka Florida Orange 32704
View Map Apopka Florida Orange 32724
View Map Arcadia Florida De Soto 34265
View Map Arcadia Florida De Soto 34266
View Map Arcadia Florida De Soto 34269
View Map Archer Florida Alachua 32618
View Map Argyle Florida Walton 32422
View Map Aripeka Florida Pasco 34679
View Map Astatula Florida Lake 34705
View Map Astor Florida Lake 32102
View Map Atlantic Beach Florida Duval 32233
View Map Auburndale Florida Polk 33823
View Map Avon Park Florida Highlands 33825
View Map Avon Park Florida Highlands 33826
View Map Babson Park Florida Polk 33827
View Map Bagdad Florida Santa Rosa 32530
View Map Baker Florida Okaloosa 32531
View Map Balm Florida Hillsborough 33503
View Map Barberville Florida Volusia 32105
View Map Bartow Florida Polk 33830
View Map Bartow Florida Polk 33831
View Map Bascom Florida Jackson 32423
View Map Bay Pines Florida Pinellas 33744
View Map Bell Florida Gilchrist 32619
View Map Belle Glade Florida Palm Beach 33430
View Map Belleair Beach Florida Pinellas 33786
View Map Belleview Florida Marion 34420
View Map Belleview Florida Marion 34421
View Map Beverly Hills Florida Citrus 34464
View Map Beverly Hills Florida Citrus 34465
View Map Big Pine Key Florida Monroe 33043
View Map Blountstown Florida Calhoun 32424
View Map Boca Grande Florida Lee 33921
View Map Boca Raton Florida Palm Beach 33427
View Map Boca Raton Florida Palm Beach 33428
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View Map Bokeelia Florida Lee 33922
View Map Bonifay Florida Holmes 32425
View Map Bonita Springs Florida Lee 34133
View Map Bonita Springs Florida Lee 34134
View Map Bonita Springs Florida Lee 34135
View Map Bonita Springs Florida Lee 34136
View Map Bostwick Florida Putnam 32007
View Map Bowling Green Florida Hardee 33834
View Map Boynton Beach Florida Palm Beach 33424
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View Map Boynton Beach Florida Palm Beach 33474
View Map Bradenton Florida Manatee 34201
View Map Bradenton Florida Manatee 34202
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View Map Bradenton Beach Florida Manatee 34217
View Map Bradley Florida Polk 33835
View Map Brandon Florida Hillsborough 33508
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View Map Branford Florida Suwannee 32008
View Map Bristol Florida Liberty 32321
View Map Bronson Florida Levy 32621
View Map Brooker Florida Bradford 32622
View Map Brooksville Florida Hernando 34601
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View Map Brooksville Florida Hernando 34614
View Map Bryant Florida Palm Beach 33439
View Map Bryceville Florida Nassau 32009
View Map Bunnell Florida Flagler 32110
View Map Bushnell Florida Sumter 33513
View Map Callahan Florida Nassau 32011
View Map Campbellton Florida Jackson 32426
View Map Canal Point Florida Palm Beach 33438
View Map Candler Florida Marion 32111
View Map Cantonment Florida Escambia 32533
View Map Cape Canaveral Florida Brevard 32920
View Map Cape Coral Florida Lee 33904
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View Map Captiva Florida Lee 33924
View Map Carrabelle Florida Franklin 32322
View Map Caryville Florida Washington 32427
View Map Cassadaga Florida Volusia 32706
View Map Casselberry Florida Seminole 32707
View Map Casselberry Florida Seminole 32718
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View Map Cedar Key Florida Levy 32625
View Map Center Hill Florida Sumter 33514
View Map Century Florida Escambia 32535
View Map Chattahoochee Florida Gadsden 32324
View Map Chiefland Florida Levy 32626
View Map Chiefland Florida Levy 32644
View Map Chipley Florida Washington 32428
View Map Chokoloskee Florida Collier 34138
View Map Christmas Florida Orange 32709
View Map Citra Florida Marion 32113
Zip City State County Zip Code
View Map Clarcona Florida Orange 32710
View Map Clarksville Florida Calhoun 32430
View Map Clearwater Florida Pinellas 33755
View Map Clearwater Florida Pinellas 33756
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View Map Clearwater Beach Florida Pinellas 33767
View Map Clermont Florida Lake 34711
View Map Clermont Florida Lake 34724
View Map Clermont Florida Lake 34713
View Map Clermont Florida Lake 34714
View Map Clermont Florida Lake 34715
View Map Clewiston Florida Hendry 33440
View Map Cocoa Florida Brevard 32922
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View Map Cocoa Beach Florida Brevard 32931
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View Map Coconut Creek Florida Broward 33093
View Map Coleman Florida Sumter 33521
View Map Copeland Florida Collier 34137
View Map Cortez Florida Manatee 34215
View Map Cottondale Florida Jackson 32431
View Map Crawfordville Florida Wakulla 32326
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View Map Crescent City Florida Putnam 32124
View Map Crestview Florida Okaloosa 32536
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View Map Cross City Florida Dixie 32628
View Map Crystal Beach Florida Pinellas 34681
View Map Crystal River Florida Citrus 34423
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View Map Crystal Springs Florida Pasco 33524
View Map Cypress Florida Jackson 32432
View Map Dade City Florida Pasco 33523
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View Map Dania Florida Broward 33004
View Map Davenport Florida Polk 33836
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View Map Day Florida Lafayette 32013
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View Map De Leon Springs Florida Volusia 32130
View Map Debary Florida Volusia 32713
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View Map Deerfield Beach Florida Broward 33441
View Map Deerfield Beach Florida Broward 33442
View Map Deerfield Beach Florida Broward 33443
View Map Defuniak Springs Florida Walton 32433
View Map Defuniak Springs Florida Walton 32435
View Map Deland Florida Volusia 32720
View Map Deland Florida Volusia 32721
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View Map Delray Beach Florida Palm Beach 33444
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View Map Delray Beach Florida Palm Beach 33446
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View Map Delray Beach Florida Palm Beach 33482
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View Map Deltona Florida Volusia 32725
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View Map Des Florida Okaloosa 32540
View Map Des Florida Okaloosa 32541
View Map Doctors Inlet Florida Clay 32030
View Map Dover Florida Hillsborough 33527
View Map Dundee Florida Polk 33838
View Map Dunedin Florida Pinellas 34697
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View Map Dunnellon Florida Marion 34430
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View Map Dunnellon Florida Citrus 34433
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View Map Durant Florida Hillsborough 33530
View Map Eagle Lake Florida Polk 33839
View Map Earleton Florida Alachua 32631
View Map East Palatka Florida Putnam 32131
View Map Eastlake Weir Florida Marion 32133
View Map Eastpoint Florida Franklin 32328
View Map Eaton Park Florida Polk 33840
View Map Ebro Florida Washington 32437
View Map Edgar Florida Putnam 32149
View Map Edgewater Florida Volusia 32132
View Map Edgewater Florida Volusia 32141
View Map Eglin Afb Florida Okaloosa 32542
View Map El Jobean Florida Charlotte 33927
View Map Elfers Florida Pasco 34680
View Map Elkton Florida Saint Johns 32033
View Map Ellenton Florida Manatee 34222
View Map Englewood Florida Sarasota 34223
View Map Englewood Florida Charlotte 34224
View Map Englewood Florida Sarasota 34295
View Map Estero Florida Lee 33928
View Map Eustis Florida Lake 32726
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View Map Eustis Florida Lake 32736
View Map Everglades City Florida Collier 34139
View Map Evinston Florida Alachua 32633
View Map Fairfield Florida Marion 32634
View Map Fedhaven Florida Polk 33854
View Map Felda Florida Hendry 33930
View Map Fellsmere Florida Indian River 32948
View Map Fernandina Beach Florida Nassau 32034
View Map Fernandina Beach Florida Nassau 32035
View Map Ferndale Florida Lake 34729
View Map Flagler Beach Florida Flagler 32136
View Map Fleming Island Florida Clay 32006
View Map Florahome Florida Putnam 32140
View Map Floral City Florida Citrus 34436
View Map Fort Lauderdale Florida Broward 33301
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View Map Fort Lauderdale Florida Broward 33306
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View Map Fort Lauderdale Florida Broward 33314
View Map Fort Lauderdale Florida Broward 33315
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View Map Fort Lauderdale Florida Broward 33319
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View Map Fort Lauderdale Florida Broward 33323
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View Map Fort Lauderdale Florida Broward 33388
View Map Fort Lauderdale Florida Broward 33394
View Map Fort Mc Coy Florida Marion 32134
View Map Fort Meade Florida Polk 33841
View Map Fort Myers Florida Lee 33901
View Map Fort Myers Florida Lee 33902
View Map Fort Myers Florida Lee 33905
View Map Fort Myers Florida Lee 33906
View Map Fort Myers Florida Lee 33907
View Map Fort Myers Florida Lee 33908
View Map Fort Myers Florida Lee 33911
View Map Fort Myers Florida Lee 33924
View Map Fort Myers Florida Lee 33913
View Map Fort Myers Florida Lee 33916
View Map Fort Myers Florida Lee 33919
View Map Fort Myers Florida Lee 33965
View Map Fort Myers Florida Lee 33966
View Map Fort Myers Florida Lee 33967
View Map Fort Myers Florida Lee 33994
View Map Fort Myers Beach Florida Lee 33931
View Map Fort Myers Beach Florida Lee 33932
View Map Fort Ogden Florida De Soto 34267
View Map Fort Pierce Florida Saint Lucie 34945
View Map Fort Pierce Florida Saint Lucie 34946
View Map Fort Pierce Florida Saint Lucie 34947
View Map Fort Pierce Florida Saint Lucie 34948
View Map Fort Pierce Florida Saint Lucie 34949
View Map Fort Pierce Florida Saint Lucie 34950
View Map Fort Pierce Florida Saint Lucie 34951
View Map Fort Pierce Florida Saint Lucie 34954
View Map Fort Pierce Florida Saint Lucie 34979
View Map Fort Pierce Florida Saint Lucie 34981
View Map Fort Pierce Florida Saint Lucie 34982
View Map Fort Walton Beach Florida Okaloosa 32547
View Map Fort Walton Beach Florida Okaloosa 32548
View Map Fort Walton Beach Florida Okaloosa 32549
View Map Fort White Florida Columbia 32038
View Map Fountain Florida Bay 32438
View Map Freeport Florida Walton 32439
View Map Frostproof Florida Polk 33843
View Map Fruitland Park Florida Lake 34731
View Map Gainesville Florida Alachua 32601
View Map Gainesville Florida Alachua 32602
View Map Gainesville Florida Alachua 32603
View Map Gainesville Florida Alachua 32604
View Map Gainesville Florida Alachua 32605
View Map Gainesville Florida Alachua 32606
View Map Gainesville Florida Alachua 32607
View Map Gainesville Florida Alachua 32608
View Map Gainesville Florida Alachua 32609
View Map Gainesville Florida Alachua 32610
View Map Gainesville Florida Alachua 32611
View Map Gainesville Florida Alachua 32624
View Map Gainesville Florida Alachua 32613
View Map Gainesville Florida Alachua 32614
View Map Gainesville Florida Alachua 32627
View Map Gainesville Florida Alachua 32635
View Map Gainesville Florida Alachua 32641
View Map Gainesville Florida Alachua 32653
View Map Geneva Florida Seminole 32732
View Map Georgetown Florida Putnam 32139
View Map Gibsonton Florida Hillsborough 33534
View Map Glen Saint Mary Florida Baker 32040
View Map Glenwood Florida Volusia 32722
View Map Goldenrod Florida Seminole 32733
View Map Gonzalez Florida Escambia 32560
View Map Goodland Florida Collier 34140
View Map Gotha Florida Orange 34734
View Map Graceville Florida Jackson 32440
View Map Graham Florida Bradford 32042
View Map Grand Island Florida Lake 32735
View Map Grand Ridge Florida Jackson 32442
View Map Grandin Florida Putnam 32138
View Map Grant Florida Brevard 32949
View Map Green Cove Springs Florida Clay 32043
View Map Greensboro Florida Gadsden 32330
View Map Greenville Florida Madison 32331
View Map Greenwood Florida Jackson 32443
View Map Gretna Florida Gadsden 32332
View Map Groveland Florida Lake 34736
View Map Gulf Breeze Florida Santa Rosa 32561
View Map Gulf Breeze Florida Santa Rosa 32562
View Map Gulf Breeze Florida Santa Rosa 32563
View Map Gulf Hammock Florida Levy 32639
View Map Haines City Florida Polk 33844
View Map Haines City Florida Polk 33845
View Map Hallandale Florida Broward 33008
View Map Hallandale Florida Broward 33009
View Map Hampton Florida Bradford 32044
View Map Hasgs Florida Saint Johns 32145
View Map Havana Florida Gadsden 32333
View Map Hawthorne Florida Alachua 32640
View Map Hernando Florida Citrus 34442
View Map Hialeah Florida Miami-dade 33002
View Map Hialeah Florida Miami-dade 33010
View Map Hialeah Florida Miami-dade 33011
View Map Hialeah Florida Miami-dade 33024
View Map Hialeah Florida Miami-dade 33013
View Map Hialeah Florida Miami-dade 33014
View Map Hialeah Florida Miami-dade 33015
View Map Hialeah Florida Miami-dade 33016
View Map Hialeah Florida Miami-dade 33017
View Map Hialeah Florida Miami-dade 33018
View Map High Springs Florida Alachua 32643
View Map High Springs Florida Alachua 32655
View Map Highland City Florida Polk 33846
View Map Hilliard Florida Nassau 32046
View Map Hobe Sound Florida Martin 33455
View Map Hobe Sound Florida Martin 33475
View Map Holder Florida Citrus 34445
View Map Holiday Florida Pasco 34690
View Map Holiday Florida Pasco 34691
View Map Holiday Florida Pasco 34692
View Map Hollister Florida Putnam 32147
View Map Hollywood Florida Broward 33019
View Map Hollywood Florida Broward 33020
View Map Hollywood Florida Broward 33021
View Map Hollywood Florida Broward 33022
View Map Hollywood Florida Broward 33023
View Map Hollywood Florida Broward 33024
View Map Hollywood Florida Broward 33025

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No Tax Return Florida Bank Statement Mortgage Lenders

No Tax Return Florida Bank Statement Mortgage Lenders Florida self-employed business owners and independent contractors and freelancers are taking advantage of using bank statements for income. Many of these smart self-employed mortgage applicants make plenty of money to qualify for a Florida mortgage but after all, deductions are accounted for they are not able to …

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12or24 Month Bank Statement FL Mortgage Lenders

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 …

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No Income Verification Florida Condo Mortgage Lenders

CONDO – NO INCOME NO EMPLOYMENT CONDO MORTGAGE LENDERS No income and No Employment verification Florida Condo mortgage lenders use assets and credit scores to qualify your primary home loan request. A No income and No Employment verification loan is perfect for self-employed business owners and contractors who run a cash business and want to …

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No Income No Employment Florida Mortgage Lenders

NO INCOME NO EMPLOYMENT FLORIDA MORTGAGE No income and No Employment verification Florida mortgage lenders use assets and credit scores to qualify your primary home loan request. A No income and No Employment verification loan is perfect for self-employed business owners and contractors who run a cash business and want to buy or refinance a …

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No Income Florida Investor Florida Mortgage Lenders

No Income Verification Florida Investor Loans Our No Income Verification Florida mortgage lenders use 1007 or lease agreements for income with No Tax Returns. The lender uses the current rent schedule if available or will order a 1007 rental comparable appraisal (picture below). The 1007 or lease agreements provide our Florida mortgage lenders with the information …

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Short Term No Income Verification Florida Mortgage Lenders

Airbnb No Tax Return Florida Mortgage Lenders Using Rent Rolls For Income! Florida Mortgage Lenders Purchase/Refinance Use 75% Of Lease Agreements Income! CondoTel Florida Mortgage Lenders – Read More » No Income Verification Florida Investor Loans Owning an Airbnb space has become increasingly popular in Florida. As owners become travelers and investors they seek to …

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Bank Statement Mortgage Lenders in Florida

Bank Statement Mortgage Lenders in Florida Personal or Business Bank Statement mortgage Lenders Average 12 or 24 months! FLORIDA  BANK STATEMENT MORTGAGE LENDERS TO PURCHASE OR REFINANCE A FLORIDA MORTGAGE If you are self-employed in Florida or have a different source of income that is not easy to document by way of Tax returns then …

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Stated Income Florida Mortgage Lenders

Stated Income Florida Mortgage Lenders No Doc and Stated income Florida mortgage lenders are used to purchase a primary residence home or refinance your current primary residence mortgage. No employment, no tax returns, no W2s, no 1099’s, no bank statements Florida mortgage lenders! How and Who do No-Doc Florida mortgages work for? Most self-employed Florida …

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Self Employed No Tax Return Bank Statement FL Mortgage Lenders

Florida Mortgage Lenders Using Bank Statements For Income!  Read More » When calculating the qualifying income for a self-employed borrower, it is important to note that business income reported on an individual IRS 1040 may not necessarily represent income that the borrower receives. No Tax return bank statement Florida mortgage lenders use bank statements along …

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Manufactured Home Florida No Tax Return Mortgage Lenders

Manufactured Home – Florida No Tax Return Mortgage Lenders Business Statements: Qualify  Avg Deposits. Up to 90% are subject to a Business bank statement questionnaire. Personal Statements: Qualify using 12 avg bank statements. We use 100% of the deposits as income. Check our 24-month average Florida Bank Statement Mortgage Lenders! Florida 1099 income only manufactured …

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Self-Employed Florida Mortgage-No Tax Returns!

Self-Employed Florida Mortgage-No Tax Returns!   Self-Employed Florida Mortgage Lenders Self-Employed As the economy for self-employed and other small-business economies more, business owners are in need of self-employed financing but are often Read More » Asset Based Florida Mortgage Lenders Florida Asset Based Mortgage Lenders Qualifications Florida Asset Based Mortgage Lenders offers two Alt Doc …

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ITIN Florida Bank Statement No Tax Return Mortgage Lenders

How To Get A Florida Mortgage With ITIN Number and No Tax Returns? Some Florida ITIN Mortgage Lenders Allow Multiple SS Numbers OK! Mismatch SS numbers OK for mortgage qualifying  If you are undocumented with an ITIN seeking  Florida mortgage lenders and do not have a social security number we can help.  ITIN Florida mortgage …

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No Income Verification Florida Investor Loans

Investment Income Florida Mortgage Lenders Florida No Income Verification Investor Loans — No Income Verification Florida Investor Loans Debt service coverage ratio Florida mortgage lenders use an alternative method to qualify investment property for the purchase or refinance of Florida real estate. Rather than using the borrower’s income via W2, 1099, and Tax Returns to …

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No Income Verification Florida Mortgage Lenders

No Income Verification Florida Mortgage Lenders  No Income  Florida Mortgage Lenders Requirements Of Florida No Income Mortgage Lenders Primary Residence & Second Homes Credit Underwritten Based on LTV, FICO, and Liquidity Read More »   What types of Businesses Need Stated Income Florida Mortgage Lenders? But running a cash business has many benefits. It allows …

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Florida No Income Verification Investor Loans

Florida Investor Mortgage – Use the rental income to qualify for Investment homes! No Income Verification Florida Investor Loans= Income / Payment = 1 or greater qualifies!Higher the rental income and the lower the payments the better the (Investors income) debt service coverage ratio. Rental income Total Housing Payment Investors income $2000 $1900 1.052 $2200 …

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No Doc And Stated Florida Mortgage Lenders

Florida No Income verification mortgage programs. No No Doc, Florida No income verification mortgage program used to purchase a primary residence home or refinance your current primary residence mortgage. No employment, no tax returns, no W2s, no 1099’s, no bank statements for income. How and Who do No-Doc Florida mortgages work for? Most self-employed Florida …

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Self Employed Florida Mortgage Lenders

Self-Employed Florida Mortgage Lenders  As the economy for self-employed and other small-business economies more, business owners are in need of self-employed financing but are often turned away because they don’t qualify with their tax return income Most Florida mortgage lenders and banks will require 2 years of tax returns along with a year to date …

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Asset Based Florida Mortgage Lenders

Florida Asset Based Mortgage Lenders Qualifications Florida Asset Based Mortgage Lenders offers two Alt Doc programs where the borrower’s assets can be used to assist in qualification, or in some cases as the only qualifying factor.  ASSET-BASED FLORIDA MORTGAGE LENDERS  Asset-Based Florida Mortgage Lender’s loans allow a quicker qualification based solely on the borrower’s seasoned, …

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Stated Income Florida Mortgage Lenders

Stated Income  Florida Mortgage Lenders Requirements Of Florida Stated Income Mortgage Lenders Primary Residence & Second Homes Credit Underwritten Based on LTV, FICO, and Liquidity Income Documentation Not Required Employment Not Required Debt-to-Income (DTI) Not Calculated Asset Seasoning 30 Days Stated Income Florida Mortgage Approval Based On 1. Credit, 2. Downpayment, 3. Reserves Stated Income …

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Bad Credit Florida No Tax Return Mortgage Lenders

Bad Credit Florida No Tax Return Mortgage Lenders   About No Tax Return Bad Credit Mortgage Lenders Bad credit Florida Bank statement mortgage lenders were created for self-employed borrowers that write off all of their income.  Bank statement Florida mortgage lenders use 12 or 24 months of bank statements and average a borrower’s income for mortgage …

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Jumbo Florida No Tax Return Mortgage Lenders

Florida Jumbo Mortgage Lenders No Tax Returns Yes, you heard correctly! This jumbo Florida mortgage does not require Tax Returns!  You simply provide your most recent 12 or 24-month personal or business bank statements and we will calculate your income. If you are trying to buy a home but took too many business Tax deductions …

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1099 Florida Mortgage Lenders

How do I Qualify For A Florida Mortgage Using 1099’s For Income? You must be employed in the same line of work or business for at least 2 years. We can then average your 2 years 1099 average with your year-to-date income!  We also need your most recent 2 months bank statement to document your …

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24 Months Bank Statement Florida Mortgage Lenders

24 Months Bank Statement Florida Mortgage Lenders Personal Statements: Qualify using 24 avg bank statements. We use 100% of the deposits as income. Business Statements: 24 months’ Avg Deposits. Up to 90% with a Business bank statement questionnaire. Check out our 12 month Florida bank statement mortgage program! Florida Bank statement mortgage lenders were created …

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12 Months Bank Statement Florida Mortgage Lenders

12 Months Bank Statement Florida Mortgage Lenders Business Statements: Qualify 12 months’ Avg Deposits. Up to 90% are subject to a Business bank statement questionnaire. Personal Statements: Qualify using 12 avg bank statements. We use 100% of the deposits as income. Check our 24-month average Florida Bank Statement Mortgage Lenders! Florida Bank statement mortgage lenders …

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DSCR Florida Mortgage Lenders-

DSCR Florida Mortgage Lenders – No Income Verification Investor LoansUse the rental income to qualify Florida Investment homes. To Calculate the DSCR Take Total income  Income / Total Payment PITI.Income exceeding the rent by 1 qualifies for DSCR No Income Investor mortgage approval!Higher the rental income and the lower the payments the better the (DSCR) …

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

FLORIDA NO TAX RETURN MORTGAGE LENDERS How Do I get a Mortgage In Florida With No Tax Returns? If you are looking for a Florida mortgage because you are having a hard time verifying your income then you came to the right website. Florida mortgage lenders.com has many programs for borrowers that cannot show their …

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No Income Verification Florida Mortgage Lenders

No Income Verification Florida Mortgage Lenders No Income Verification Mortgage Lender Requirments Primary Residence & Second Homes Credit Underwritten Based on LTV, FICO, and Liquidity Income Documentation Not Required Employment Not Required Debt-to-Income (DTI) Not Calculated Asset Seasoning 30 Days No Income Approvals Based On 1. Credit, 2. Downpayment, 3. Reserves are Subject To Change …

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Florida Mortgage Lenders Using Bank Statements For Income!

Florida Mortgage Lenders Use Bank Statements For Income! The Bank Statement Only mortgage is often the only option for self-employed borrowers to get the funding they need.  The bank statement-only mortgage uses business or personal bank statements to calculate income with NO TAX RETURNS NEEDED! Cash – Minimum 10% Down. Credit – Minimum 350 Credit score (case by case) …

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Self Employed Florida No Tax Return Mortgage Lenders

NO TAX RETURN FLORIDA MORTGAGE LENDER’S  Cash – Minimum 10% Down + Closing Cost + Reserves.Credit – Minimum 350 Credit score.Capacity – Maximum 55% Collateral – Single-family homes, Townhomes, Villas, Condos, Manufactured Homes How do I get a Florida Mortgage with No Tax Returns? In 2010 the Dodd-Frank Wall Street Reform and Consumer Protection Act required …

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1399173
"Thomas went above and beyond to get our mortgage approved. We had a couple of "hiccups" with our VA financing and Thomas was able to get them resolved ... more "
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1375949
"I was hesitant to utilize someone from the internet to obtain my home loan. I even let my real estate agent talk me into going with someone local ... more "
by rmac333
1345066
"Thomas martin was a great help with our mortgage . it was a stressful time in our life , but Thomas remained calm through out the whole process which ... more "
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by zuser20140303145114251

MINIMUM CREDIT SCORE

PORTFOLIO

NO MIN FICO SCORE 

NO TAX RETURN

350 MIN FICO

FHA/VA

500 MIN FICO

CONVENTIONAL

620 MIN FICO

CALL NOW!

954-667-9110

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All Information Subject To Change