Self Employed Home Loans In Florida

What is a Self Employed Home Loan?


Self-employed home loans are mortgages offered to individuals who own their own business and do not have proof of employment-based income. These loans require a significant amount of documentation and may not be as easy to qualify for as purchase loans, but they are the best option for homebuyers who don’t make their income through a traditional source.

Self Employed Home Loans VS. Non-QM Loans


Non-QM loans are an excellent option for those who may not be able to qualify for a qualified, conforming, or conventional loan that meets CFPB standards (including those sold or insured by Fannie Mae or Freddie Mac). These non-QM options are offered by lenders like us, who can help offer customized packages to fit your specific financial needs. With that said, Non-QM loans do follow regulatory guidelines and will always consider financial factors such as your cash flow, income, debt, and more.

FAQ's About Self-Employed Loans

How to Get a Self-Employed Loan in Florida ?

To qualify for a self-employed loan here in Florida, you’ll need to provide us with several financial statements and other critical information. These items include:

  • Showing stable and upward-trending income for your business. Of course, every company goes through up and down periods, but as long as you’re able to show a level of consistency, you should be in good shape.

  • Solid credit score and history without major blemishes in recent years.

  • Consistent record of paying off debts on time and in full.

  • How many credit inquiries you’ve made in the last year or two.

  • And more

Find Mortgage Lenders for Self-Employed workers In Florida

If you’re looking for guidance or advice on how to secure a self-employed mortgage, you’ve come to the right place. Here at
Leopard Lending SI, our team of experienced and professional mortgage officers can help you with any of your self-employed mortgage questions or concerns.

Can you get a mortgage loan if you are Self-Employed?

Yes, individuals who are self-employed may want to take out a self-employed non-QM loan in 33311 to purchase their new home. While not all non-QM loans are for self-employed individuals, they do fall under the same umbrella category.

1099 Mortgage Lenders in Florida

As a self-employed individual, you receive a 1099 form at the end of the year to report your income from various sources. We offer 1099 self-employed mortgages here at Leopard Lending SI, so reach out today to see what other documentation you might need to move forward.

How many tax returns do I need for a mortgage?

We typically will ask applicants to provide at least one or two years’ worth of tax returns so that we can verify your annual income against your reported earnings from your financial documentation.

Get a Mortgage Rate Quote Today

What can we help you with?
Knowing what kind of loan you want will help us find the right loan officer for you.
Select A State
Are you a first-time home buyer?
Where are you in your home-buying journey?
Are you planning to sell a home in addition to buying one?
Do you have a real estate agent?
What kind of home are you looking for?
How will you use your new home?
Are you or your spouse a veteran or active military?
What's your target purchase price?
$100K-$300K
How much do you have for a down payment?
15% Down
What's your annual income before taxes?
$120K
Do you know your credit score?
What's your contact information?
First, please give us your name.
What's your email address?
Let us know how to contact you by email.
What number should we call to reach you?
We'd like to know your preferred phone number.
By clicking "Submit" I authorize phone calls or sms communication even if my telephone number is registered with any state, federal, national, or private Do Not Call (DNC) list. I understand that I am not required to provide this consent and authorization and it is not a condition to qualify for a loan or receive any good or service. I/we also understand that the information given in the mortgage application form as well as other information you obtain in relation to my credit history may be disclosed to potential mortgage lenders, financial intermediaries and mortgage insurers, organizations providing technological or other support services required in relation to this application and any other parties with whom I/we propose to have a financial relationship.
0%

These calculations are estimates and are not guaranteed for any particular loan.

Get the mortgage you deserve today.

License Info

FL NMLS: #LO115222

AZ NMLS: #1019689

Groves Capital Inc. NMLS: #1678775

Licensed In: FL, AZ

For licensing information, go to NMLS Consumer Access Portal

Useful Links

Home

Loan Option

Calculator

About

Contact

Contact info

4883 Ronson Court, Suite A/B

San Diego, CA 92111

(954) 466-7437

License Info

FL NMLS: #LO115222

AZ NMLS: #1019689

Groves Capital Inc. NMLS: #1678775

Licensed In: FL, AZ

For licensing information, go to NMLS Consumer Access Portal

Useful Links

Home

Loan Option

Calculator

About

Contact

Contact info

4883 Ronson Court, Suite A/B

San Diego, CA 92111

© 2023 All Rights Reserved


This is not a commitment to lend or extend credit. Programs, rates, terms and conditions are subject to change without notice. Terms and conditions apply. Consult your accountant about tax deductions.


Disclaimers: Privacy Policy | Legal Disclaimer | Accessibility Statement | Site Map | Website Design By Rick Vega