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Bank Statement Loan Florida Lender

A Quick Snapshot of Your Bank Statement Loan Options

12- or 24-Month

Whether you’ve been self-employed for a year or several, our 12- and 24-month programs give you the flexibility to use your bank deposits to qualify for a mortgage. This option provides a clear and fair reflection of your true income, making it easier to secure the home you want.

No W-2s or Tax Returns Required

Skip the hassle of digging through years of tax paperwork. With bank statement loans, you can qualify using only your bank deposits, eliminating the need for W-2s or tax returns. It’s designed for people who have strong cash flow but don’t fit into traditional lending boxes.

VA Loan

Exclusively for veterans, active-duty service members, and eligible spouses, the VA loan offers unbeatable benefits like no down payment, no private mortgage insurance, and competitive interest rates. Even with credit scores as low as 500, VA loans provide a hassle-free path to homeownership, honoring the service of our nation's heroes.

Flexible Loan Amounts

Your income isn’t one-size-fits-all, and your mortgage shouldn’t be either. Whether you’re running a growing business or freelancing full-time, flexible loan amounts let you find the perfect fit for your budget and goals. Ideal for high earners and growing entrepreneurs alike.

Why Choose a Bank Statement Loan in Florida

Traditional mortgages often don’t tell the full story of your income — especially if you’re self-employed. A Bank Statement Loan gives you the flexibility to qualify based on your actual cash flow instead of tax documents. This program is ideal for small business owners, entrepreneurs, gig workers, real estate investors, and anyone with non-traditional income streams.

With this program, lenders review your bank statements to assess your income, offering an easier path to homeownership without requiring extensive tax return documentation.

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Where are You Now?

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I’m ready now! I’ve found a home

Apply For a Loan

I’m looking for a home

Get Pre-Approved!

I’m just researching

Something Else

Why choose Select Home Loans?

  • Trusted mortgage experts across Florida.

  • Specialized in self-employed and alternative income home loans.

  • Quick pre-approvals and competitive low rates.

  • Decades of combined mortgage experience.

  • Dedicated loan officers guiding you every step of the way.

  • Streamlined, secure, and easy online application process.

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Transforming Your Financial Goals Into Reality

15

Average to Close

3500

People found their dream home with Select Home Loans

40

More savings than you would get with some of our competitors

Secure Your Bank Statement Loan Today

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Hear What Our Clients Have To Say!

“While visiting my wife's parents who have lived in Florida for a number of years, my wife and I decided to look for a new home. After looking at several homes for sale, my wife and I found the home we wanted. We mentioned to our real estate agent that we would need to obtain a mortgage as it would probably be a year until we were ready to sell our home in New Jersey and he recommended that we contact Select Home Loans. That was the best advice we received. Although we were some 1,300 miles away, our David Shefsky at Select Home Loans walked us through each step requesting the necessary documentation he needed. Two months later, we had our mortgage. One year after that, we became permanent Florida residents and Select Home Loans helped us achieve our goal. Thank you”

Re S.Boca Raton, FL

“I just wanted to send a note to thank you for all of your support and guidance throughout the mortgage process while purchasing our home. It could have been a nerve-racking experience and you very calmly guided me along the way and certainly made the experience much better than it easily could have been. Once again, thank you. It was a pleasure doing business with you and Select Home Loans.”

Isabel B & Gerald BWest Palm Beach, FL

“Thank you Scott, for your superb assistance with Barry & Sally! Really appreciate working with people that take their profession to that next level like you!”

Miriam L.Orlando, FL

“When I found a house I wanted to purchase, was new to the area and just picked a mortgage company out of a hat. Fortunately, this was Select Home Loans and my experience working with my Mortgage Banker was excellent. He was professional, knowledgeable, and efficient, as was his office staff. Although I had the financial resources to pay for the house, my financial situation was unusual, and he was up to the challenge of working out a loan for me with a good interest rate. From start to finish, the process went smoothly and without any surprises. Any potential hitches were dealt with quickly and effectively; his manner was always pleasant and he made himself very available. No long waits for him to call back. I highly recommend Select Home Loans.”

Judy M.Boca Raton, FL