Please ensure Javascript is enabled for purposes of website accessibility


No Income Verification Florida Mortgage Lenders

We specialize in alternative no income verification mortgage programs!!

For borrowers unable to qualify based on DTI Underwriting.

  • 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 Verification Florida Mortgage Highlights

  • Primary Residence and Second Homes
  • Credit Underwritten Based on LTV, FICO, and Liquidity
  • Income Documentation Not Required
  • Income Not Stated
  • Debt-to-Income (DTI) Not Calculated
  • Asset Seasoning 30 Days
  • Only the first page of a bank statement required for typical portfolio loans
  • Loan Amounts Up to $3 Million
  • Up to 80% LTV Purchase/Rate & Term
  • FICO Beginning at 640
  • Reserves from 3 Months

No Income Approvals Based On 1. Fico 2. Liquidity

  • Self-Employed/Small Business Owner
  • Volatile or Irregular Employment
  • Retired
  • Seasonal & Gig Workers
  • Real Estate Investors
  • Owners & Employees of Cash Businesses
  • Change of Industry or type of
  • Employment
  • Transitioning from Recent Health, Family,
  • or Other Life Events
  • Looking to Unlock Trapped Home Equity
  • Recent Immigrant


  • Elimination of “feel good” conditions
  • Only the first page of a bank statement is required for typical portfolio loans
  • No overlays on agency and government loans
  • White-Glove Concierge Desk services
  • Leading-edge technology


  • No Mortgage or Rental Late payments in the last 12 months.
  • Foreclosure, Short Sale,  require 12 months of seasoning
  • Bankruptcy must be discharged or settled.
  • Assets must be sourced or seasoned for 30+ Days.
  • Texas Cashout A6 Not permitted.
  • US Citizen Permanent Resident Alien, Non-Permanent Resident Alien with US Credit Report
  • Maximum 20 properties including subject property.
  • Primary and Second Homes Only
  • No PRepayment penalty
  • SFR, PUD, Townhome, Condo, Non-Warrantable COndo max 65% 2-4 unite Modular, Rural, Log homes.
  • Manufactured homes Not Eligible
  • Seller-paid closing cost up to 6%

No Income Verification Mortgages

No Income Verification mortgage program is a perfect fit for investors who don’t qualify for traditional financing based on their tax returns. The loan is qualified based on the value of the property and/or anticipated income the property will generate. You won’t be asked to submit documents and forms you don’t have. Self-employed borrowers should also review our Bank Statement program. 

Florida Bank Statement Mortgage Lenders

What is a Florida Bank Statement Loan?

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

Eligible for a Florida bank statement loan:

  • You must prove self-employment for a minimum of 2 years.
  • Must provide proof of 12-month rental history.
  • You must have at least 10% down.
  • You must provide proof of  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 Do I need for a Bank Statement only Mortgage?

  • Proof of income = Your most recent 12- or 24-months 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.
  • Purchase and Sale Contact. Only if you have one.
  • Verified Timely Rent Payments- For Purchases Only – Please send front and backs of checks clearing your account or wire transfers for the most recent 12 months to verity timely rental payments.

What Are the Advantages of a  Florida Bank Statement 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.

Requirements for a Bank Statement Mortgage Loan?

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 multiples 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.

Considerations By Bank Statement Mortgage Lenders

  • You can use either business or personal no commingling.
  • Use 12 months business bank account or personal account 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 being counted twice.
  • Foreign Bank Statements and Foreign Assets may be considered and must be translated to English.


A no income verification Florida mortgage is meant for mortgage applicants that do not show their true income on their tax returns. Mortgage applicants who want to buy or refinance a primary residence or second home but cannot provide the property bank documents to qualify for a mortgage using tax returns, W2’s, 1099 or bank statements. These mortgage applicants are usually turned down by most banks and lenders.


Alachua County
Alachua | Gainesville | Hawthorne

Baker County

Bay County
Panama City

Bradford County

Brevard County
Cape Canaveral | Cocoa | Cocoa Beach | Indialantic | Melbourne | Melbourne Beach | Palm Bay | Rockledge | Satellite Beach | Titusville | West Melbourne

Broward County
Coconut Creek | Coral Springs | Dania Beach | Davie | Deerfield Beach | Fort Lauderdale | Hallandale Beach | Hollywood | Lauderhill | Lighthouse Point | Margate | Miramar | Oakland Park | Pembroke Pines | Plantation | Pompano Beach | Tamarac | Weston | Wilton Manors

Calhoun County

Charlotte County
Punta Gorda

Citrus County
Crystal River

Clay County
Green Cove Springs | Orange Park

Collier County
Everglades City | Marco Island | Naples

Columbia County

Dade County (SEE: Miami-Dade)

DeSoto County

Dixie County

Duval County
Atlantic Beach | Jacksonville | Neptune Beach

Escambia County

Flagler County
Palm Coast

Franklin County

Gadsden County

Gilchrist County

Glades County

Gulf County

Hamilton County

Hardee County

Hendry County
Clewiston | LaBelle

Hernando County

Highlands County
Avon Park

Hillsborough County
Plant City | Tampa | Temple Terrace

Holmes County

Indian River County
Vero Beach | Sebastian

Jackson County

Jefferson County

Lafayette County

Lake County
Clermont | Eustis | Fruitland Park | Lady Lake | Leesburg | Minneola | Mount Dora | Tavares

Lee County
Bonita Springs | Cape Coral | Fort Myers | Fort Myers Beach | Sanibel

Leon County

Levy County

Liberty County

Madison County

Manatee County
Anna Maria Island | Bradenton | Holmes Beach | Longboat Key | Palmetto

Marion County

Martin County
Sewall’s Point | Stuart

Miami-Dade County
Aventura | Bal Harbour | Bay Harbor Islands | Coral Gables | Hialeah | Hialeah Gardens | Homestead | Key Biscayne | Miami | Miami Beach | North Miami | North Miami Beach | Pinecrest | Surfside

Monroe County
Islamorada | Key Largo | Key West

Nassau County

Okaloosa County
Cinco Bayou | Destin | Fort Walton Beach | Niceville | Shalimar | Valparaiso

Okeechobee County

Orange County
Apopka | Edgewood | Maitland | Ocoee | Orlando | Winter Garden | Winter Park

Osceola County
Celebration | Kissimmee | St. Cloud

Palm Beach County
Boca Raton | Boynton Beach | Delray Beach | Greenacres | Highland Beach | Hypoluxo | Juno Beach | Jupiter | Lake Park | Lake Worth | Lantana | Ocean Ridge | Palm Beach | Palm Beach Gardens | Royal Palm Beach | Wellington | West Palm Beach

Pasco County
New Port Richey

Pinellas County
Clearwater | Dunedin | Gulfport | Largo | Oldsmar | Pinellas Park | St. Pete Beach | St. Petersburg | Safety Harbor | Tarpon Springs | Treasure Island

Polk County
Auburndale | Bartow | Eagle Lake | Fort Meade | Haines City | Lake Alfred | Lakeland | Lake Wales | Winter Haven

Putnam County

Santa Rosa County
Gulf Breeze | Milton

Sarasota County
Longboat Key | North Port | Sarasota | Venice

Seminole County
Altamonte Springs | Casselberry | Lake Mary | Longwood | Oviedo | Sanford | Winter Springs

St. Johns County
St. Augustine | St. Augustine Beach

St. Lucie County
Fort Pierce | Port St. Lucie

Sumter County

Suwannee County

Taylor County

Union County

Volusia County
Daytona Beach | DeLand | Deltona | Debary Edgewater | Holly Hill | New Smyrna Beach | Ormond Beach | Ponce Inlet | Port Orange

Wakulla County

Walton County
DeFuniak Springs | Seaside

Washington County


US Mortgage Lenders has an extensive lender network that allows us to provide unique and mortgage solutions. Contact US for the most update information on terms and conditions. All Information on this site Is for example, hypothetical purposes and should NOT be relied on for decision making.
Email Questions To Google
Hide Buttons
Skip to content