Can I get a mortgage without tax returns in Florida?

Yes. Self-employed borrowers can qualify using bank statements (12-24 months), asset documentation, 1099 forms, or CPA letters instead of tax returns.

What credit score do I need for a self-employed mortgage?

Most bank statement and non-QM programs require a minimum credit score of 620-680, with better rates available at 700+.

How much down payment is required for a bank statement loan?

Bank statement loans typically require 10-20% down. Some programs offer 10% down with higher credit scores (700+).

Financing Options

Self-Employed Home Loans

Your tax returns don't tell the full story. Bank statement programs, asset-based loans, and 1099 options — flexible qualification for business owners and entrepreneurs in Florida and Georgia.

Loan Options for Self-Employed Buyers

Traditional lenders rely on tax returns and W-2s. Self-employed programs use alternative documentation that better reflects your actual income.

Bank Statement Programs

Use 12-24 months of personal or business bank statements instead of tax returns to verify income — ideal when your tax returns don't reflect your true earning power.

Asset-Based Qualification

Qualify based on liquid assets rather than income. If you have significant savings, investments, or retirement accounts, this may be your path.

1099 Income Programs

Freelancers, consultants, and independent contractors can use 1099 forms and profit-and-loss statements instead of traditional W-2 documentation.

No Tax Return Required

Gig economy workers with variable income

Professionals who maximize tax deductions, reducing reported income

How It Works

Review Your Documentation

We help you identify which program fits: bank statement, asset-based, 1099, or DSCR. Each has different documentation requirements.

Match With the Right Lender

Not all lenders offer self-employed programs. We connect you with lenders in Florida and Georgia who specialize in non-QM loans.

Get Pre-Approved

Pre-approval with a self-employed program may take slightly longer (5-7 days) but positions you as a serious buyer.

Find & Close

Once approved, the buying process proceeds like any other transaction. A Wynnmore agent guides you from search to closing.

Frequently Asked Questions

Can I get a mortgage without tax returns?

Yes. Bank statement programs use 12-24 months of deposits to calculate income. Asset-based programs use liquid assets. Neither requires tax returns.

What credit score do I need?

Most self-employed programs require 620-680 minimum. Bank statement programs typically start at 620, while asset-based programs often require 680+.

Are interest rates higher for self-employed loans?

Yes, rates are typically 0.5-1.5% higher than conventional loans due to the increased risk assessment. However, these programs make homeownership possible when traditional lenders decline your application.

How much down payment is required?

Bank statement loans typically require 10-20% down. Asset-based and DSCR programs usually require 20-25%. Higher down payments can improve your rate.

How long do I need to be self-employed?

Most programs require at least 2 years of self-employment history. Some bank statement programs accept 1 year with strong compensating factors.

Self-Employed? Let's Find Your Path.

We'll match you with a lender who specializes in non-traditional income documentation for Florida and Georgia buyers.