Bank Statement Loans
A Flexible Mortgage Solution for Self-Employed Borrowers
Bank Statement Loans Florida
At North Star Mortgage Network, we help Florida’s self-employed borrowers secure financing through Bank Statement Loans Florida. With this loan, lenders use your bank deposits instead of tax returns or W-2s. That makes it easier for business owners, freelancers, and contractors to qualify.
What Are Bank Statement Loans Florida?
Bank Statement Loans Florida are designed for people whose income is hard to show on tax returns. Instead of relying on traditional paperwork, lenders look at 12 to 24 months of your bank statements. They average your deposits to calculate income.
This loan is ideal for:
Small business owners with many write-offs
Independent contractors and freelancers
Self-employed professionals paid with 1099s
Borrowers who do not qualify with tax returns
Benefits of Bank Statement Loans Florida
These loans give you flexibility that standard mortgages do not:
No tax returns needed – Use deposits as proof of income.
More property choices – Buy a primary home, vacation home, or rental.
Simple approval – Easier for borrowers with complex finances.
Higher approval odds – Strong cash flow counts more than paperwork.
Local support – Work with a Florida mortgage broker who understands self-employed borrowers.
How Bank Statement Loans Florida Work
The process is simple:
Provide 12–24 months of bank statements.
Lenders review and average deposits.
That income is used to qualify you.
Once approved, your loan closes like any other mortgage.
By focusing on deposits, Bank Statement Loans Florida allow more borrowers to qualify.
Who Should Use Bank Statement Loans Florida?
This program is perfect for:
Self-employed buyers in Florida.
Investors adding vacation or rental properties.
Business owners who reinvest profits into their companies.
Borrowers looking for faster approval with fewer documents.
Why Work With North Star Mortgage Network?
For over 25 years, North Star Mortgage Network has helped Florida borrowers secure mortgages that fit their needs. We specialize in Bank Statement Loans Florida, with programs built for self-employed buyers.
When you work with us, you’ll receive:
Access to multiple lenders and programs.
Clear guidance from application to closing.
A team based in Jacksonville serving buyers across Florida.
Low margins and competitive rates.
Our promise is simple: Your best interest is my principal concern.
Take the Next Step
Don’t let tax returns stop you from buying a home. Explore Bank Statement Loans Florida with North Star Mortgage Network.
Call us today at 904-880-6741 or apply online at www.nsmn.com. Let’s put your income deposits to work and secure the right mortgage for you.
Bank Statement Loans
Our Bank Statement Loan Program is an excellent tool designed to cater to self-employed borrowers who may struggle to qualify for traditional mortgage loans due to their unique income streams. These loans rely on bank statements, rather than tax returns or W-2s, to verify income–providing a more accurate reflection of your client’s true earning potential.
Why use Bank Statement Loans for income?
Flexible Income Verification: We understand that self-employed borrowers often have fluctuating income. Our Bank Statement Loan uses 12 or 24 months of business or personal bank statements to verify income, making the application process more comfortable and streamlined for your clients.
High Loan Values and Competitive LTV: Our Bank Statement Loan Program offers loans from $150,000 up to an impressive $3,000,000, with up to 90% Loan to Value (LTV), ensuring your clients have the financial support they need.
Diverse Property Types: We support purchase, cash-out, and rate-term refinance on owner-occupied, second homes, and non-owner-occupied properties.
Let’s discuss how we can collaborate and help you. Call me at 904-613-7700 Nate
