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Living and working in Florida comes with its own set of opportunities—and challenges. If you’re self-employed and trying to buy a home here, you’ve probably realized that qualifying for a mortgage isn’t as straightforward as it is for W-2 employees. At Mortgages by Scott, we work with freelancers, business owners, and independent contractors across Florida to provide flexible mortgage solutions that align with your financial picture.
Florida’s economy is rich with independent professionals—from real estate agents and hospitality entrepreneurs to consultants and contractors. However, many of these individuals find it difficult to meet traditional lending requirements. Seasonal income, fluctuating earnings, and tax write-offs can all work against you in a standard mortgage application.
We take a different approach. Our self-employed mortgage programs are designed to factor in the way you actually earn—giving you the opportunity to qualify based on your financial reality, not just your tax returns.
Perfect for entrepreneurs and contractors who have strong bank deposits but low reported taxable income. These loans rely on your bank statements instead of tax returns to verify income.
Have significant savings or investments? Use those assets to qualify for a home loan, even if your income stream is irregular or seasonal.
Non-qualified mortgages offer alternative documentation options and more flexible debt-to-income ratios—ideal for those who don’t fit inside the traditional lending box.
The documentation process for self-employed borrowers in Florida can be complex, especially with variable or seasonal income. We help you gather and prepare everything you need for a strong application, including:
No guesswork—just clear guidance from application to approval.
Whether you’re purchasing a condo in Miami Beach, a vacation rental in Orlando, or a home in a quiet Gulf Coast community, you need a mortgage partner who understands the Florida market. We know the ins and outs of local property taxes, flood zones, insurance requirements, and the nuances of self-employed income across different industries.
We’ll help you get pre-approved and explore all your options.
Looking for something else? Explore our full suite of home loans:
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