Self-Employed Loans

Bank Statement loans designed for business owners, freelancers, and entrepreneurs who write off significant expenses.

What is a Self-Employed Loans?

A Self-Employed or Bank Statement loan is a non-QM mortgage that allows business owners and independent contractors to qualify for a home loan using their bank statements rather than traditional tax returns or W-2s.

Because self-employed individuals often take advantage of legal tax deductions, their tax returns may show a lower net income than what they actually earn. Bank statement loans look at the cash flowing into personal or business accounts over 12 to 24 months to determine true purchasing power.

Best For Which Buyers?

Business Owners: Entrepreneurs whose tax returns don't reflect their true cash flow.
Freelancers & Gig Workers: Independent contractors with variable income.
Real Estate Agents: Commission-based earners with significant business write-offs.

Key Benefits

• No tax returns required
• Qualify using personal or business bank statements
• Loan amounts up to $3 million or more
• Available for primary residences, second homes, and investment properties

Why Work With Jorge Rosabal?

At South Atlantic Financial Services, we understand that financing your home is a major financial decision. As a local expert serving Miami, the Florida Keys, and South Florida, Jorge Rosabal provides personalized guidance tailored to your unique financial goals.

30+ Years Experience

Over three decades of proven success in the mortgage industry.

Local Expertise

Deep understanding of the Florida real estate market and unique property types.

Competitive Rates

Access to a wide variety of loan programs to find the best rate for your situation.

5-Star Service

A commitment to clear communication and a stress-free closing process.

Fast Approvals

Streamlined processing to get your loan closed quickly and efficiently.