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 profit and loss. For the self-employed borrower that wants to keep as much income as possible, this can be a contradiction when you go to purchase a home.

Bad Credit Florida No Tax Return Mortgage Lenders

Read More »

Self-Employed Florida No Tax Return Mortgage Lenders

Florida Mortgage Lenders Using Bank Statements For Income!

Read More »

No Doc And Stated Florida Mortgage Lenders

Read More »

How do I get a Florida mortgage with No Tax Returns?

Bank statement loans have taken over the traditional Bank Statement income loans as an alternative for self-employed Florida mortgage applicants who are unable to verify their income by providing the previous two years’ tax returns, W2s, and pay stubs. These loans are called non-QM loans, nontraditional loans, or expanded criteria loans that allow other forms of documentation to prove the ability to repay. Just as it sounds, a bank statement loan allows the borrower to verify his or her income with bank statements instead of using tax returns!

What Are The Eligibility Requirements for a No Tax Return Bank Statement Mortgage?

Eligibility for a bank statement requires total deposits minus disallowed deposits. This amount is then divided by the number of bank statements, whether it is the 12 or 24 months statement.

Another option is that if the co-borrower is a W2 employee you can use a hybrid of W2 and tax return income from the co-borrower and bank statement income from the borrower or assets from the co-borrower and bank statements from the borrower. Non-QM loans can use multiple sources of blended incomes to qualify.

Deposits that are disallowed in regards to a bank statement loan include transfers between bank accounts and cash or large deposits, which can raise a level of concern and may require a letter of explanation.

Bad Credit Florida No Tax Return Mortgage Lenders

Read More »

What Documents Do I Need For A No-Tax Return Florida Mortgage?

• Proof of income = Your most recent 12- or 24-month bank Statements Business or Personal bank statements EVERY PAGE EVEN BLANKS in PDF labeled by month.
• PDF proof of down payment statement= 2 Months Bank Statements to source funds..
• Proof of 2 years in the same business or line of work = To include business licenses or satisfactory evidence of self-employed to cover previous 24 months that could include: Articles of incorporation, 2 years of 1099 s, Business license more than 2 years or accountant letter stating more than 2 years in the same business.
• Obligations = Divorce decree, Child support or court order required payment statements. Only if applies.
• ID = Driver’s license, SS Card.
• Mortgage Statements = For rental properties including taxes and insurance statements. Only if applies.
• W2 or 1099= If you have separate W2 or 1099 income you would like to use to qualify please provide it.
• Purchase and Sale Contact. Only if you have one.
• Verified Timely Rent Payments- For Purchases Only – Please send front and back of checks clearing your account or wire transfer’s for the most recent 12 months to verify timely rental payments.

Self-Employed Florida Bank Statement Mortgage Lenders Questionaire 

What Does The Application Process Look Like for a No Tax Return Florida mortgage?

To apply for a bank statement loan you would fill out our full mortgage application. Then provide your last 12 or 24  months’ worth of bank statements from a personal or business bank account. 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.

Am I Eligible for a mortgage with No Tax Returns? What is Required?

• You must prove self-employment for a minimum of 2 years.
• Must provide proof of 12-month rental history or 3-6 months of future payments in reserves.
• You must have at least 10% down.
• You must have 4-6 months of PITI reserves
• You may qualify with as little as a 12-months bank statement.
• You must have a credit score of 600 or above to qualify.
• The minimum loan amount is $100,000, and the maximum loan is $5,000,000.

What Are the Advantages of a Bank Statement Mortgage Loan?

In summary, these are the advantages of a bank statement loan:

• The lender can look at 12 or 24-month bank statements.
• 30-Year Fixed Options.
• Bank statement-only mortgage lenders do not need to look at your tax returns.
• Your income statements are made up of the average monthly income deposits.
• You can get a bank statement home loan for as little as 10 percent down.
• You can do a cash-out refinance.
• You can borrow up to $5 million.
• Debt to income ratio up to 55 percent.

Are There Any Special Considerations By Florida Bank Statement Mortgage Lenders?

• You can use either business or personal no commingling.
• Use 12 monthly business bank accounts or personal accounts depending on the lender.
• Deposits which are transferred from a business account into a personal account are OK.
• You may combine W2 income with bank statement income as long as the income is not counted twice.
• Foreign Bank Statements and Foreign Assets may be considered and must be translated to English.

FLORIDA SELF-EMPLOYED MORTGAGE LENDERS EXPLAINED

If you’re a self-employed mortgage applicant seeking a Florida mortgage can be difficult if you write off most of your income.  Here’s what you need to know if you’re looking to qualify for a Florida mortgage without providing your last 2 years’ tax returns and year-to-date profit and loss that is required by most Florida banks!

If it is your desire to try to qualify for a Florida mortgage without providing tax returns without meeting mentioned items you will need to apply for Bank Statement only loan. Your other option may be to pay off debt or  obtain a co-signor if you do not show enough income

If you are a  W-2 employee and you don’t receive social security or rental income and you do not have any other side businesses you need not worry about providing your tax returns to Florida mortgage qualify. Supplying your last 2 years’ w2s and your most recent 30 days of pay stubs will work instead of tax returns.  Fannie Mae and Freddie Mac, FHA, and VA  will allow w2 only and paystubs without the last 2 years tax returns. However, the Florida mortgage lender may still require IRS 4506T.

FLORIDA SELF-EMPLOYED ACCOUNTANT LETTERS

Many Florida self-employed mortgage applicants registered throughout the state of Florida and other states need self-employment verification letters to qualify for a Florida mortgage.

Due to the mortgage crisis that happened several years ago and covid-19, there have been several changes in the mortgage lender’s approval process with respect to obtaining financing to mortgage a primary residence, second home, or investment property for applicants who are self-employed including small business owners, schedule c, sole proprietors, S corporation, partners of partnerships. One of the biggest changes is that Florida mortgage lenders now require more documentation to verify the borrower’s ATR ability to repay the mortgage loans via  Proof of verification of income, self-employment verification to cover self employed Florida verification lenders, verification of ownership, from a certified public accountant than ever from self-employed small business owners individuals to approve a mortgage or loan to finance a Florida mortgage loan. The purpose of all this documentation requested by Florida mortgage lenders is to provide independent 3rd party verification of a self-employed borrowers income from his or her business which will enable Florida mortgage lenders to determine the amount of mortgage loan to approve for the self-employed person to purchase a primary residence, secondary residence, or investment property.

Florida self-employed mortgage lenders to request confirmation of the percentage of businesses owned by self-employed mortgage applicants as part of the mortgage approval process. Verifying the percentage of ownership by a self-employed person is a relatively simple process and this can be accomplished by reviewing financial documents provided by the self-employed mortgage applicant.

CPAs are trusted individuals that provide Florida mortgage lenders third party self-employed Florida verification letters in order to approve a mortgage or loan for a self-employed mortgage applicants. When a self-employed person applies for a mortgage to purchase a primary or secondary (investment) property, this is a unique situation for mortgage lenders. A mortgage applicant who is an employee has documents such as W-2 provided by a third party (employer) that is used to verify their work history. A self-employed mortgage applicant requires confirmation (verification) of several items that are vital in order to approve a mortgage by an independent party. This is where CPAs are needed in the mortgage application process for a self-employed person. 

The new income verification requirements by mortgage lenders for people who are self-employed can be especially challenging, especially if the self-employed person (small business owners) does not have a relationship with a Certified Public Accountant (CPA). Not every self-employed person uses a Certified Public Accountant (CPA) to prepare his or her Individual Federal Income Tax Return and there is no requirement for self-employed individuals to use a CPA for preparing their tax returns. Some self-employed individuals prepare their own tax returns or they may use a tax preparer who is not a CPA. For mortgage (home loans) lending purposes anyone who owns more than 20% of a business that is the primary source of his or her income is considered self-employed. For self-employed people who have a relationship with a CPA, do not be surprised if your CPA refuses to provide some or all of the confirmations requested by your lender. Most self-employed individuals who apply for a mortgage do not find out about the lenders requirements for self-employed people to confirm (verify) certain items (income, ownership percentage, length of self-employment, use of business funds) with a CPA until their loan is being reviewed by the underwriter. It comes as a total surprise to the self-employed applicant just as the loan is about to close.

If you are considered self-employed your Florida mortgage lender will ask for your personal tax return and business tax return for at least the past two years. Lenders will also request a self-employed mortgage applicant to obtain a self-employed Florida verification letter from a CPA confirming (verify) how long the mortgage applicant has been self-employed, the percentage of the business owned by the self-employed mortgage applicant. Typically most lenders will require a self-employed person to have been self-employed for at least two years. This self-employed Florida verification letter serves as verification of the length of your self-employment and an indication that your self-employment history is satisfactory to qualify for a mortgage. Verifying a mortgage applicant’s employment is a standard part of the application process for any mortgage applicant whether self-employed or an employee.

Your mortgage lender will inform the self-employed home loan applicant of the type of items that the CPA should confirm (verify) in the self-employment verification letter issued by the CPA on his or her letterhead. Once we know the things that your mortgage lender wants us to verify in a self-employed CPA self-employed Florida verification letter we will request the self-employed mortgage applicant to provide his or her tax returns so that we can issue the self-employment verification mortgage letter requested by your mortgage lender. It is not unusual for the mortgage lender’s underwriting department to request revisions to a self-employment verification letter from a CPA after it has been submitted.

Some mortgage lenders may require self-employed (small business owners) individuals applying for a home loan to provide a year-to-date income statement (profit or loss statement) prepared by a Certified Public Accountant (CPA) as part of the home loan application process, however, this request is rare. A year-to-date income statement prepared by a CPA is routine if you already have monthly write-up service (bookkeeping) for the business being performed by a CPA, however, if this service is not being performed then your home loan application may be in jeopardy until you find A CPA.

If a self-employed mortgage applicant intends to withdraw funds from his or her business for a downpayment, the mortgage lender will ask a CPA to include a paragraph in the self-employment verification mortgage letter stating whether the withdrawal of funds by the self-employed mortgage applicant from his or her business will have a negative impact on the business operations. The last thing a mortgage lender wants to happen is for a self-employed applicant to default on a mortgage because the self-employed mortgage applicant withdrew too much money from the business and caused it to fail. This verification of the use of business funds on the self-employed mortgage applicant’s business is routine and easily accomplished using financial documents from the self-employed person.

Search Florida By Entity Name

• Officer/Registered Agent
• FEI/EIN
• Detail by Document Number
• Zip Code
• Street Address
• Registered Agent Name
• Trademark Name
• Trademark Owner Name

One of the new requests from mortgage lenders is to confirm whether a self-employed person’s business is active or was negatively affected by covid. Due to covid-19 which affected all businesses but especially small businesses, some lenders are now requiring verification by a CPA, that a self-employed mortgage applicant’s business is active or operating in as part of the mortgage approval process.

Florida mortgage lenders will request self-employed profit and loss including operating expense ratios for self-employed individuals over 12 or 24-month time frame. An operating expense ratio is calculated by dividing the total expense for a specified period by the total revenue for the same period. An operating expense ratio can be calculated using an income statement or a profit and loss statement. Typically operating expense ratios are requested for self-employed mortgage applicants who operate their business as a sole proprietor and apply for a bank statement loan. Some Florida mortgage lenders expect operating expense ratios to be below a certain percentage in order to approve a mortgage.

If a self-employed person applies for a Florida bank statement loan the lender will more than likely require a self-employed verification letter from a CPA letter in order to approve the loan. A bank statement loan is a mortgage loan that is based on the bank statements of a self-employed Florida mortgage applicant’s business rather than the self-employed applicant’s individual tax return.

If a self-employed mortgage applicant already has a relationship with a CPA then he or she will be able to obtain a self-employment verification CPA letter easily. On the other hand, if a self-employed Florida mortgage applicant does not have a relationship with a CPA then finding a CPA to issue a self-employment verification mortgage letter could be challenging.

FLORIDA SELF-EMPLOYED MORTGAGE COVERAGE AREAS:

Alachua Alachua Florida
Alford Jackson Florida
Inverness Citrus Florida
Islamorada Monroe Village
Jacksonville Duval Florida
Jacksonville Beach Duval Florida
Jacob Florida Jackson Florida
Jasper Hamilton Florida
Jay Santa Rosa Florida
Jennings Hamilton Florida
Juno Beach Palm Beach Florida
Jupiter Palm Beach Florida
Jupiter Inlet Colony Palm Beach Florida
Jupiter Island Martin Florida
Kenneth Florida Pinellas Florida
Key Biscayne Miami-Dade Village
Key Colony Beach Monroe Florida
Key West Monroe Florida
Keystone Heights “Clay
Bradford” Florida
Kissimmee Osceola Florida
LaBelle Hendry Florida
LaCrosse Alachua Florida
Lady Lake Lake Florida
Lake Alfred Polk Florida
Lake Buena Vista Orange Florida
Lake Butler Union Florida
Lake Florida Columbia Florida
Lake Clarke Shores Palm Beach Florida
Lake Hamilton Polk Florida
Lake Helen Volusia Florida
Lake Mary Seminole Florida
Lake Park Palm Beach Florida
Lake Placid Highlands Florida
Lake Wales Polk Florida
Lake Worth Beach Palm Beach Florida
Lakeland Polk Florida
Lantana Palm Beach Florida
Largo Pinellas Florida
Lauderdale Lakes Broward Florida
Lauderdale-by-the-Sea Broward Florida
Lauderhill Broward Florida
Laurel Hill Okaloosa Florida
Lawtey Bradford Florida
Layton Monroe Florida
Lazy Lake Broward Village
Lee Madison Florida
Leesburg Lake Florida
Lighthouse Point Broward Florida
Live Oak Suwannee Florida
Longboat Key “Manatee
Sarasota” Florida
Longwood Seminole Florida
Loxahatchee Groves Palm Beach Florida
Lynn Haven Bay Florida
Macclenny Baker Florida
Madeira Beach Pinellas Florida
Madison Madison Florida
Maitland Orange Florida
Malabar Brevard Florida
Malone Jackson Florida
Manalapan Palm Beach Florida
Mangonia Park Palm Beach Florida
Marathon Monroe Florida
Marco Island Collier Florida
Margate Broward Florida
Marianna Jackson Florida
Marineland “Flagler
St. Johns” Florida
Mary Esther Okaloosa Florida
Mascotte Lake Florida
Mayo Lafayette Florida
McIntosh Marion Florida
Medley Miami-Dade Florida
Melbourne Brevard Florida
Melbourne Beach Brevard Florida
Melbourne Village Brevard Florida
Mexico Beach Bay Florida
Miami Miami-Dade Florida
Miami Beach Miami-Dade Florida
Miami Gardens Miami-Dade Florida
Miami Lakes Miami-Dade Florida
Miami Shores Miami-Dade Village
Miami Springs Miami-Dade Florida
Micanopy Alachua Florida
Midway Gadsden Florida
Milton Santa Rosa Florida
Minneola Lake Florida
Miramar Broward Florida
Monticello Jefferson Florida
Montverde Lake Florida
Moore Haven Glades Florida
Mount Dora Lake Florida
Mulberry Polk Florida
Naples Collier Florida
Neptune Beach Duval Florida
New Port Richey Pasco Florida
New Smyrna Beach Volusia Florida
Newberry Alachua Florida
Niceville Okaloosa Florida
Noma Holmes Florida
North Bay Village Miami-Dade Florida
North Lauderdale Broward Florida
North Miami Miami-Dade Florida
North Miami Beach Miami-Dade Florida
North Palm Beach Palm Beach Village
North Port Sarasota Florida
North Redington Beach Pinellas Florida
Oak Hill Volusia Florida
Oakland Orange Florida
Oakland Park Broward Florida
Ocala Marion Florida
Ocean Breeze Martin Florida
Ocean Ridge Palm Beach Florida
Ocoee Orange Florida
Okeechobee Okeechobee Florida
Oldsmar Pinellas Florida
Opa-locka Miami-Dade Florida
Orange Florida Volusia Florida
Orange Park Clay Florida
Orchid Indian River Florida
Orlando Orange Florida
Ormond Beach Volusia Florida
Otter Creek Levy Florida
Oviedo Seminole Florida
Pahokee Palm Beach Florida
Palatka Putnam Florida
Palm Bay Brevard Florida
Palm Beach Palm Beach Florida
Palm Beach Gardens Palm Beach Florida
Palm Beach Shores Palm Beach Florida
Palm Coast Flagler Florida
Palm Shores Brevard Florida
Palm Springs Palm Beach Village
Palmetto Manatee Florida
Palmetto Bay Miami-Dade Village
Panama Florida Bay Florida
Panama Florida Beach Bay Florida
Parker Bay Florida
Parkland Broward Florida
Paxton Walton Florida
Pembroke Park Broward Florida
Pembroke Pines Broward Florida
Penney Farms Clay Florida
Pensacola Escambia Florida
Perry Taylor Florida
Pierson Volusia Florida
Pinecrest Miami-Dade Village
Pinellas Park Pinellas Florida
Plant Florida Hillsborough Florida
Plantation Broward Florida
Polk Florida Polk Florida
Pomona Park Putnam Florida
Pompano Beach Broward Florida
Ponce de Leon Holmes Florida
Ponce Inlet Volusia Florida
Port Orange Volusia Florida
Port Richey Pasco Florida
Port St. Joe Gulf Florida
Port St. Lucie St. Lucie Florida
Punta Gorda Charlotte Florida
Quincy Gadsden Florida
Raiford Union Florida
Reddick Marion Florida
Redington Beach Pinellas Florida
Redington Shores Pinellas Florida
Riviera Beach Palm Beach Florida
Rockledge Brevard Florida
Royal Palm Beach Palm Beach Village
Safety Harbor Pinellas Florida
San Antonio Pasco Florida
Sanford Seminole Florida
Sanibel Lee Florida
Sarasota Sarasota Florida
Satellite Beach Brevard Florida
Sea Ranch Lakes Broward Village
Sebastian Indian River Florida
Sebring Highlands Florida
Seminole Pinellas Florida
Sewall’s Point Martin Florida
Shalimar Okaloosa Florida
Sneads Jackson Florida
Sopchoppy Wakulla Florida
South Bay Palm Beach Florida
South Daytona Volusia Florida
South Miami Miami-Dade Florida
South Palm Beach Palm Beach Florida
South Pasadena Pinellas Florida
Southwest Ranches Broward Florida
Springfield Bay Florida
St. Augustine St. Johns Florida
St. Augustine Beach St. Johns Florida
St. Cloud Osceola Florida
St. Leo Pasco Florida
St. Lucie Village St. Lucie Florida
St. Marks Wakulla Florida
St. Pete Beach Pinellas Florida
St. Petersburg Pinellas Florida
Starke Bradford Florida
Stuart Martin Florida
Sunny Isles Beach Miami-Dade Florida
Sunrise Broward Florida
Surfside Miami-Dade Florida
Sweetwater Miami-Dade Florida
Tallahassee # Leon Florida
Tamarac Broward Florida
Tampa Hillsborough Florida
Tarpon Springs Pinellas Florida
Tavares Lake Florida
Temple Terrace Hillsborough Florida
Tequesta Palm Beach Village
Titusville Brevard Florida
Treasure Island Pinellas Florida
Trenton Gilchrist Florida
Umatilla Lake Florida
Valparaiso Okaloosa Florida
Venice Sarasota Florida
Vernon Washington Florida
Vero Beach Indian River Florida
Virginia Gardens Miami-Dade Village
Waldo Alachua Florida
Wauchula Hardee Florida
Wausau Washington Florida
Webster Sumter Florida
Welaka Putnam Florida
Wellington Palm Beach Village
Westlake Palm Beach Florida
West Melbourne Brevard Florida
West Miami Miami-Dade Florida
West Palm Beach Palm Beach Florida
West Park Broward Florida
Weston Broward Florida
Westville Holmes Florida
Wewahitchka Gulf Florida
White Springs Hamilton Florida
Wildwood Sumter Florida
Williston Levy Florida
Wilton Manors Broward Florida
Windermere Orange Florida
Winter Garden Orange Florida
Winter Haven Polk Florida
Winter Park Orange Florida
Winter Springs Seminole Florida
Worthington Springs Union Florida
YankeeFlorida Levy Florida
Zephyrhills Pasco Florida
Zolfo Springs Hardee Florida
Altamonte Springs Seminole Florida
Altha Calhoun Florida
Anna Maria Manatee Florida
Apalachicola Franklin Florida
Apopka Orange Florida
Arcadia DeSoto Florida
Archer Alachua Florida
Astatula Lake Florida
Atlantic Beach Duval Florida
Atlantis Palm Beach Florida
Auburndale Polk Florida
Aventura Miami-Dade Florida
Avon Park Highlands Florida
Bal Harbour Miami-Dade Village
Baldwin Duval Florida
Bartow Polk Florida
Bascom Jackson Florida
Bay Harbor Islands Miami-Dade Florida
Bay Lake Orange Florida
Bell Gilchrist Florida
Belle Glade Palm Beach Florida
Belle Isle Orange Florida
Belleair Pinellas Florida
Belleair Beach Pinellas Florida
Belleair Bluffs Pinellas Florida
Belleair Shore Pinellas Florida
Belleview Marion Florida
Beverly Beach Flagler Florida
Biscayne Park Miami-Dade Village
BlountsFlorida Calhoun Florida
Boca Raton Palm Beach Florida
Bonifay Holmes Florida
Bonita Springs Lee Florida
Bowling Green Hardee Florida
Boynton Beach Palm Beach Florida
Bradenton Manatee Florida
Bradenton Beach Manatee Florida
Branford Suwannee Florida
Briny Breezes Palm Beach Florida
Bristol Liberty Florida
Bronson Levy Florida
Brooker Bradford Florida
Brooksville Hernando Florida
Bunnell Flagler Florida
Bushnell Sumter Florida
Callahan Nassau Florida
Callaway Bay Florida
Campbellton Jackson Florida
Cape Canaveral Brevard Florida
Cape Coral Lee Florida
Carrabelle Franklin Florida
Caryville Washington Florida
Casselberry Seminole Florida
Cedar Key Levy Florida
Center Hill Sumter Florida
Century Escambia Florida
Chattahoochee Gadsden Florida
Chiefland Levy Florida
Chipley Washington Florida
Cinco Bayou Okaloosa Florida
Clearwater Pinellas Florida
Clermont Lake Florida
Clewiston Hendry Florida
Cloud Lake Palm Beach Florida
Cocoa Brevard Florida
Cocoa Beach Brevard Florida
Coconut Creek Broward Florida
Coleman Sumter Florida
Cooper Florida Broward Florida
Coral Gables Miami-Dade Florida
Coral Springs Broward Florida
Cottondale Jackson Florida
Crescent Florida Putnam Florida
Crestview Okaloosa Florida
Cross Florida Dixie Florida
Crystal River Citrus Florida
Cutler Bay Miami-Dade Florida
Dade Florida Pasco Florida
Dania Beach Broward Florida
Davenport Polk Florida
Davie Broward Florida
Daytona Beach Volusia Florida
Daytona Beach Shores Volusia Florida
DeBary Volusia Florida
Deerfield Beach Broward Florida
DeFuniak Springs Walton Florida
DeLand Volusia Florida
Delray Beach Palm Beach Florida
Deltona Volusia Florida
Destin Okaloosa Florida
Doral Miami-Dade Florida
Dundee Polk Florida
Dunedin Pinellas Florida
Dunnellon Marion Florida
Eagle Lake Polk Florida
Eatonville Orange Florida
Ebro Washington Florida
Edgewater Volusia Florida
Edgewood Orange Florida
El Portal Miami-Dade Village
Estero Lee Village
Esto Holmes Florida
Eustis Lake Florida
Everglades Florida Collier Florida
Fanning Springs “Levy
Gilchrist” Florida
Fellsmere Indian River Florida
Fernandina Beach Nassau Florida
Flagler Beach Flagler Florida
Florida Florida Miami-Dade Florida
Fort Lauderdale Broward Florida
Fort Meade Polk Florida
Fort Myers Lee Florida
Fort Myers Beach Lee Florida
Fort Pierce St. Lucie Florida
Fort Walton Beach Okaloosa Florida
Fort White Columbia Florida
Freeport Walton Florida
Frostproof Polk Florida
Fruitland Park Lake Florida
Gainesville Alachua Florida
Glen Ridge Palm Beach Florida
Glen St. Mary Baker Florida
Golden Beach Miami-Dade Florida
Golf Palm Beach Village
Graceville Jackson Florida
Grand Ridge Jackson Florida
Grant-Valkaria Brevard Florida
Green Cove Springs Clay Florida
Greenacres Palm Beach Florida
Greensboro Gadsden Florida
Greenville Madison Florida
Greenwood Jackson Florida
Gretna Gadsden Florida
Groveland Lake Florida
Gulf Breeze Santa Rosa Florida
Gulf Stream Palm Beach Florida
Gulfport Pinellas Florida
Haines Florida Polk Florida
Hallandale Beach Broward Florida
Hampton Bradford Florida
Havana Gadsden Florida
Haverhill Palm Beach Florida
Hawthorne Alachua Florida
Hialeah Miami-Dade Florida
Hialeah Gardens Miami-Dade Florida
High Springs Alachua Florida
Highland Beach Palm Beach Florida
Highland Park Polk Village
Hillcrest Heights Polk Florida
Hilliard Nassau Florida
Hillsboro Beach Broward Florida
Holly Hill Volusia Florida
Hollywood Broward Florida
Holmes Beach Manatee Florida
Homestead Miami-Dade Florida
Horseshoe Beach Dixie Florida
Howey-in-the-Hills Lake Florida
Hypoluxo Palm Beach Florida
Indialantic Brevard Florida
Indian Creek Miami-Dade Village
Indian Harbour Beach Brevard Florida
Indian River Shores Indian River Florida
Indian Rocks Beach Pinellas Florida
Indian Shores Pinellas Florida
IndianFlorida Martin Village
Inglis Levy Florida
Interlachen Putnam Florida

Serving All Florida Cities Within Counties – Alachua Baker Bay Brevard Broward Calhoun Charlotte Citrus Clay Collier Columbia Desoto Dixie Duval Escambia Flagler Franklin Gadsden Gilchrist Glades Gulf Hamilton Hardee Hendry Hernando Highlands Hillsborough Holmes Indian River Jackson Jefferson Lafayette Lake Lee Leon Levy Liberty Madison Manatee Marion Martin Miami-Dade Monroe Nassau Okaloosa Okeechobee Orange Osceola Palm Beach Pasco Pinellas Polk Putnam Santa Rosa Sarasota Seminole St. Johns St. Lucie Sumter Suwannee Taylor Union Volusia Wakulla Walton Washington