Self-Employed Mortgage Solutions in Florida
Denied by a big bank? Your tax returns don't tell the full story. We specialize in getting self-employed borrowers approved.
Your Income Is Real — Big Banks Just Don't See It
Traditional lenders rely on tax returns that often understate your real income. If you are a business owner, freelancer, or 1099 contractor who writes off expenses, your taxable income may not reflect your ability to repay a mortgage. Home Financial Group offers five specialized programs designed specifically for borrowers with non-traditional income documentation. With a minimum of 10% down and competitive rates, we help self-employed Floridians buy and refinance homes every day.
Our Self-Employed Mortgage Programs
Five ways to prove your income without traditional tax return documentation. Each program is designed for a different financial profile.
Bank Statement Loans
Use 12 or 24 months of personal or business bank statements to demonstrate your real cash flow instead of tax returns.
Learn moreP&L Only Loans
Qualify with a single CPA-prepared profit and loss statement. No bank statements, no tax returns — just your accountant's word.
Learn moreAsset Depletion Loans
Convert retirement accounts, brokerage holdings, and savings into qualifying income — without liquidating a single asset.
Learn moreDSCR Loans
Qualify investment properties based on rental income, not personal income. No W-2s, no pay stubs, no tax returns.
Learn moreNo-Ratio Loans
No debt-to-income calculation, no income documentation. For high-asset borrowers who want the simplest path to closing.
Learn moreWho We Help
- Small business owners with at least two years of self-employment history
- Independent contractors and 1099 earners
- Freelancers and gig economy workers with consistent deposit history
- Real estate investors purchasing rental properties
- Retired professionals with substantial assets but limited declared income
How It Works
- 1
Choose Your Documentation Path
We review your financial profile and match you with the program that best reflects your true income: bank statements, CPA-prepared P&L, asset accounts, rental income, or a no-ratio approach.
- 2
Gather Your Documents
Depending on the program, you may need 12-24 months of bank statements, a CPA letter, brokerage statements, or a lease agreement. No tax returns required for most programs.
- 3
Get Pre-Approved
We underwrite your file using the alternative documentation and issue a pre-approval letter you can use to make offers on properties.
- 4
Close on Your Home
Our team handles the process from application through closing, keeping you informed at every milestone.
Why Choose Home Financial Group?
No Tax Returns Required
Most programs qualify you based on bank deposits, assets, or rental income instead of Schedule C or 1040 filings.
Flexible Down Payment
Programs starting at 10% down for primary residences, with options for investment properties as well.
Competitive Rates
Rates are structured to reflect the strength of your overall financial profile, not just your adjusted gross income.
Statewide Florida Coverage
We lend in all 67 Florida counties, from Miami-Dade to the Panhandle.
Experienced Team
Home Financial Group has helped hundreds of self-employed borrowers secure financing when traditional banks said no.
Ready to See What You Qualify For?
Stop letting your tax returns hold you back. Talk to a Home Financial Group specialist today and find out which program fits your situation.
Self-Employed Mortgage Questions
Yes. Home Financial Group offers multiple mortgage programs designed for self-employed borrowers. Instead of tax returns, you can qualify using bank statements, a CPA-prepared profit and loss statement, liquid assets, or rental property income.
Most of our self-employed programs require a minimum of 10% down for a primary residence. Down payment requirements may vary for investment properties and higher loan amounts.
Most programs require at least two years of self-employment or business ownership. Some programs may consider one year with strong compensating factors such as large cash reserves or a high credit score.
A bank statement loan uses 12 or 24 months of personal or business bank deposits to calculate your qualifying income instead of W-2s or tax returns. This typically results in a higher qualifying income for borrowers who take significant business deductions.
Rates on self-employed programs may be slightly higher than conventional rates, but they are competitive and reflect the reduced documentation requirements. Your rate depends on credit score, down payment, and loan amount.
Related Resources
Bank Statement Loans
Qualify using 12-24 months of bank deposits
Learn MoreP&L Only Loans
Use a CPA-prepared profit and loss statement
Learn MoreAsset Depletion Loans
Convert liquid assets into qualifying income
Learn MoreDSCR Loans
Qualify rental properties based on cash flow
Learn MoreNo-Ratio Loans
No debt-to-income calculation required
Learn MoreDSCR Calculator
Calculate your property's debt service coverage ratio
Learn MoreYour Income Is Real. Your Mortgage Should Be Too.
Home Financial Group specializes in borrowers who don't fit the traditional mold. Let us show you what's possible.