Thomas Martin – Mortgage Loan Originator– 954-667-9110 – Rev. 3-10-2025 – Subject to change without notice.
Mortgage Lenders In Florida That Do Not Require Tax Returns
Florida no-tax return mortgage lenders provide alternative income documentation options for those who cannot show tax returns to qualify for a Florida mortgage. Our Private Florida mortgage lenders provide alternatives for those without traditional income documents. This is a great option for Self-Employed mortgage applicants who cannot show enough income or have not filed their Tax returns. We provide nontraditional mortgage options for those securing mortgage loans using alternate documentation such as 1099, W-2s only, bank Statements, and Rental income only to qualify for a Florida mortgage. Below you will find our No Tax Return Florida Mortgage Options.
Cash Out Refinance WIth No Tax Returns:
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Unorthodox Income Verification: Allows self-employed,, freelancers, and small business owners to cash out refinance without providing traditional income.
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Focus on Bank Statements: Instead of tax returns, Florida mortgage lenders average bank statement deposits to verify stable predictable income.
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Non-QM Mortgage Lenders: Priave Florida mortgage lenders call non-QM lenders to offer these alternate loan programs.
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Flexibility for Self-Employed: These alt-doc mortgage loans are particularly beneficial for those with fluctuating or non-traditional income streams.
No Tax Return Mortgage Programs:
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- Bank Statement Only – Florida Mortgage Lenders with No Tax Returns Required!
- Rental Income Only– Florida Mortgage Lenders Rental Income With No Tax Returns Required!
- Stated Income– Relie on Credit, Income, and Reserves with No Tax Returns Needed!
- Asset Based– Mortgage lenders use savings with No Tax Returns Needed!
- Profit and Loss -Use Profit and Loss with No Tax Returns Needed!
- 1099 Mortgage: Use 1099 Income up to 100% of income can be used with no verified business expenses.
- VOE Mortgage: Private Florida Mortgage Lenders will allow your VOE to disregard your tax return write-offs.
- Self-Employed: If you write off too much of your income to qualify for the necessary funds.
- P&L Mortgage: Use Your licensed Tax preparer to provide a profit and loss statement for mortgage income verification.
- NO Income: Use the subject property’s income to qualify for your next investment property mortgage.
- Foreign National: Nonresidents in the United States can invest using our FN mortgage options to purchase or cash out.
- Commercial: Case-by-case mortgage options for Florida office buildings, shopping centers, and warehouses.
Unacceptable Income:
The following sources of income are NOT acceptable:
• Contributions or support from family members
• Educational benefits
• Food stamps
• Illegal income
• One-time capital gains (continuing capital gains may be considered an acceptable source of income)
• Refund of federal, state, or local income tax
About No Tax Return Mortgage Lenders
With our experience in the Florida mortgage industry, we have built strong relationships with a diverse network of wholesale no-tax return Florida mortgage lenders. This allows us to offer competitive rates and terms on no tax return and bank statement loans that are tailored to your situation. We take the complexity out of the process, providing personalized service every step of the way. Whether you’re purchasing a new home, refinancing, or investing in real estate, our team is here to assist you in navigating the mortgage process. Contact us today to learn how we can help you secure a mortgage tailored to your financial needs—whether you’re self-employed in Miami or anywhere across Florida.
Alternate Mortgage Programs include:
- NO Income Verification Investor Loans: Use the subject property’s income to qualify for your next investment property mortgage.
- Foreign National Mortgage Lenders: Nonresidents in the United States can invest using our FN mortgage options to purchase or cash out.
- Commercial mortgage Lenders: Case-by-case mortgage options for Florida office buildings, shopping centers, and warehouses.
- Bad Credit Florida Mortgage Lenders: Bad Credit based on a common sense approach based on payment history, not credit score driven.
- NO tax return Mortgage Lenders: Non-QM and Private Lenders offer alternative documentation options for mortgage qualifying.
- 1099 Only Mortgage Lenders: Use 1099 Income up to 100% income can be used with no verified business expenses.
- VOE Florida Mortgage Lenders: Private Florida Mortgage Lenders will allow your VOE to disregard your tax return write-offs.
- Bank Statement Mortgage Lenders: Use 12 or 24-month average bank deposits for mortgage income qualifying.
- Asset-Based Mortgage Lenders– Assets in your account to cover the purchase price qualify you for enough income to qualify.
- Self-Employed Mortgage Options – If you write off too much of your income to qualify for the necessary funds.
- P&L Only Mortgage Lenders: Use Your licensed Tax preparer to provide a profit and loss statement for mortgage income verification.
