Bank Statement Loans · Florida · NMLS #1603937

Get your custom rate quote in under 60 seconds.

We compare 20+ wholesale lenders to find competitive bank statement rates in Florida. No credit pull. Pre-approval in 24 hours.

Step 1 of 5

What are you looking to do?

Pick the closest match. You can change this with your loan officer.

Step 2 of 5

When do you want to close?

No commitment — this just helps us prioritize your file.

Step 3 of 5

What's your self-employment type?

We tailor the program to how your income flows.

Step 4 of 5

Estimated property value

Drag to adjust. Round number is fine — we use it to size your loan options.

$450,000

$100K $1M $2M $3M+

Step 5 of 5 — Final step

Where can a loan officer reach you?

We call within 24 hours. No credit pull.

✓ No credit pull ✓ No obligation ✓ Real loan officer · 24h

✓ Got it.

A Florida-licensed loan officer will call you within 24 hours. If you'd rather we call sooner, dial (702) 420-0655.

Or call us right now: (702) 420-0655

Bank Statement Loans in Florida

What Florida buyers need to know

Florida is the third-most-populous state and a magnet for both retiree migration and young-family relocation. Miami, Tampa, Orlando, and Jacksonville lead transaction volume, with strong second-home and investor demand on the coasts. No state income tax.

Conforming limit (2026)

$806,500 (high-balance up to $851,200 in Monroe County)

Top markets

Jacksonville · Miami · Tampa

Requirements

Eligibility at a Glance in Florida

Here's what you'll typically need.

Bank Statements

12-24 Months

Provide 12-24 months of personal or business bank statements to verify income through actual deposits and cash flow.

Credit Score

620+

620 minimum typically required. Higher scores unlock better rates and lower down payment options.

Down Payment

10-20%

Plan for 10-20% of the purchase price, depending on your credit profile and loan amount.

Self-Employment

2+ Years

2+ years of documented self-employment history. Business licenses, CPA letters, or other verification.

Lending Arena, NMLS #1603937. Licensed by the Florida Office of Financial Regulation as a Mortgage Lender / Mortgage Broker. Equal Housing Lender. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to credit and property approval.