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Bank Statement Refinance – Florida Lender

A Quick Snapshot of Your Bank Statement Refinance Options

12- or 24-Month Bank Statements

Refinance using 12 or 24 months of deposits—ideal for self-employed borrowers with strong cash flow.

No Tax Returns Required

Qualify without W-2s, pay stubs, or tax returns; lenders evaluate actual deposits instead of traditional documents.

Cash-Out Refinance

Access your home equity for business growth, investments, debt consolidation, or personal financial needs.

Flexible Loan Amounts

Choose from a wide range of refinance options tailored for entrepreneurs, contractors, and gig-economy workers.

Why Choose a Bank Statement Loan in Florida

A Bank Statement Refinance gives self-employed borrowers, entrepreneurs, and independent contractors a flexible way to improve their mortgage terms without relying on tax returns. Instead of traditional income verification, lenders use 12 or 24 months of bank deposits to calculate qualifying income—often resulting in higher approval amounts for business owners who take deductions on taxes.

This program is ideal for those wanting to lower their rate, reduce monthly payments, or tap into home equity through a cash-out refinance. Since qualification is based on real cash flow rather than tax filings, it provides a more accurate picture of income for self-employed borrowers.

At Select Home Loans, we streamline the bank statement refinance process to ensure fast approvals and straightforward documentation, helping Florida borrowers unlock better mortgage terms with confidence.

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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 Refinance 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