Self employed mortgage loans in Florida

I review personal and business tax returns, business history and supporting records before deciding whether full documentation fits. Being self employed does not automatically mean you need a specialty loan. I compare the documented income with the property and your complete file.

I review 12 or 24 months of bank statements when that documentation path fits. I check eligible deposits, business ownership and expenses rather than counting every deposit as income. My bank statement loans guide explains the records I review.

For independent contractors, I compare 1099 mortgage options with bank statements and full documentation. For a business owner, I also review a profit and loss statement showing business revenue and expenses, together with the supporting records the program requires.

I do not choose a documentation method just because it asks for fewer pages. I compare how each available path treats your actual income and what you can document.

I review FHA with a self employed profit and loss statement for eligible Florida buyers. Some eligible buyers can qualify with as little as 3.5% down on a primary home. Not everyone will qualify. I confirm credit, business history, supporting income records and the property before recommending this path.

I also review FHA with written verification of employment for eligible wage earners in Florida. These FHA documentation options are Florida only through me. Read my Florida FHA guide for the property and documentation review.

I review the documents you have before asking for a different set. If you file with an ITIN, see my Florida ITIN mortgage guide. My non-QM guide explains other income documentation paths. Call or text me at (207) 615-7770 to discuss your Florida property and business records.