Bank Statement LoansBank Statement Loans in Orlando, FL
Your tax returns say nothing. Your bank statements say everything. MortgageHouz qualifies Orlando self-employed borrowers, 1099 contractors, and business owners on deposits — not deductions — across purchase and refinance.
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Bank Statement Loan Programs for Orlando
One broker, multiple lenders — matched to your deal, your documentation, and your timeline.
12-Month Personal Bank Statement
12 months of personal bank statements establish an income average — no tax returns, no W-2s, no employment verification.
24-Month Personal Bank Statement
A longer statement window smooths income volatility and opens the door down to 580 FICO for borrowers who don't qualify on the 12-month path.
12-Month Business Bank Statement
Business account deposits establish your qualifying income — ideal for business owners whose personal accounts don't reflect full revenue.
| Key Stat | Range / Term | Min FICO | |
|---|---|---|---|
| 12-Month Personal Bank Statement | 700 Min FICO | 90% Max LTV | 12-Mo Personal |
| 24-Month Personal Bank Statement | 580 Min FICO | 85% Max LTV | 24-Mo Personal |
| 12-Month Business Bank Statement | 700 Min FICO | 90% Max LTV | 12-Mo Business |
Bank Statement Loans Across Orlando, Florida
Mortgage Houz (NMLS #2755375) works with self-employed borrowers, 1099 contractors, and small business owners throughout Orlando and the surrounding area — matching each file to the bank statement program with the best rate, leverage, and documentation path for their scenario.
Whether you're buying or refinancing in Orlando, our licensed specialists shop your file across our lender network so Orlando borrowers get the program built for how they actually earn a living, without the tax-return runaround.
Built for Orlando Borrowers Like You
Self-Employed Borrowers
Big write-offs kill conventional approval. Bank statement loans qualify you on what actually hits your account.
Small Business Owners
Business bank statement programs use your company's actual deposits, not a net-income figure buried under deductions.
Real Estate Investors
LLC and entity vesting allowed on investment-property bank statement files.
Recently Self-Employed
As little as 12 months in business considered on select programs, versus the 2-year history conventional lenders require.
Orlando Bank Statement Loan FAQs
How do bank statement loans work for Orlando, FL self-employed borrowers? +
Instead of tax returns, a licensed MortgageHouz specialist averages 12 or 24 months of your Orlando, FL bank statements to establish qualifying income — no W-2s or employer verification needed.
What credit score do I need for a bank statement loan in Orlando, FL? +
It ranges from 580 to 700 depending on the program — 24-month personal bank statement programs go as low as 580 FICO, while 12-month personal and 12-month business programs at 90% LTV require a minimum 700 FICO.
Can I use business bank statements instead of personal ones in Orlando, FL? +
Yes. The 12-month business bank statement program uses your company's deposits to establish qualifying income, which fits many Orlando, FL business owners better than a personal-account review.
Can I buy an investment property in Orlando, FL with a bank statement loan? +
Yes. LLC and entity vesting are allowed on investment-property bank statement files for Orlando, FL real estate investors.
Ready to get started in Orlando?
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