Bank Statement Loan
If you’re ready to explore homeownership or refinance with a loan that finally recognizes your true income, Solutions Mortgage Lending Group is ready to help. Our Bank Statement Loan is designed with your lifestyle, income, and goals in mind. Let’s make home financing simple, flexible, and tailored just like your business.
A Smarter Mortgage Solution for Florida’s Self-Employed Professionals
At Solutions Mortgage Lending Group, we believe your financial success shouldn’t be limited by paperwork. Our Bank Statement Loan program is designed for self-employed individuals in Florida who have the income to qualify but may not meet the rigid requirements of traditional loans. Instead of tax returns or W-2s, we use your actual bank deposits to qualify you — offering flexibility, simplicity, and real opportunity.
Being your own boss should be a financial advantage, not a hurdle to homeownership. At Solutions Mortgage Lending Group, we understand that traditional lending standards don’t always work for business owners, freelancers, or independent contractors. That’s why we offer the Bank Statement Loan a custom-tailored mortgage solution that considers the real income you earn, not just what’s reported on your tax returns.
With our Bank Statement Loan program, your ability to repay is verified through 12 to 24 months of personal or business bank statements allowing us to calculate an average monthly income that reflects your true earning potential. This means you don’t have to sacrifice valuable tax deductions or try to fit into outdated lending criteria just to qualify for a home loan.
Whether you’re purchasing your first home, upgrading to something bigger, refinancing your current property, or tapping into equity with a cash-out refinance, the Bank Statement Loan provides the flexibility you need. Available for primary residences, second homes, and investment properties, this program is designed with versatility in mind.
We offer competitive interest rates, high loan-to-value (LTV) ratios, and options for as little as 10% down — all without requiring traditional income documents. Our team will help you evaluate your bank statements and walk you through the process of preparing your documentation, so your financial picture is presented clearly and professionally to our lending partners.
Florida is home to a growing community of small business owners, independent professionals, and solopreneurs who power our local economy. At Solutions Mortgage Lending Group, we are proud to serve that community with mortgage options that honor your hustle and reward your success. Whether you run a restaurant, operate an online business, or work in real estate or construction, this loan is built for you.
Our lending experts specialize in non-traditional income loans and are here to support you every step of the way from initial consultation to closing day. We’ll help you calculate qualifying income, determine your best loan structure, and choose the most favorable terms. The process is transparent, the communication is consistent, and the support is unmatched.
