Self-Employed Mortgage Options in Florida

Helping Self-Employed Buyers Navigate Home Loans in the Sunshine State

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.

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Self-Employed & Investors

Why It’s Different for the Self-Employed in Florida

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.

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Flexible Mortgage Options Available

We help self-employed buyers across Florida—from Miami to Jacksonville, Orlando to Tampa—access loan products tailored to their unique situations, including:

Solutions for Entrepreneurs

Smart financing for entrepreneurial income.

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Jumbo & Luxury Financing

High-value home loans with flexible guidelines for established earners.

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30-Year Fixed Mortgage

Stable payments with long-term predictability and competitive rates.

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Adjustable-Rate Mortgage

Lower initial rates with flexibility for short- to mid-term homeowners.

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FHA Mortgage Financing

Accessible homeownership with lower down payment options.

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$0 Down Mortgage Programs

Purchase with little to no upfront cash for qualified buyers.

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USDA Rural Financing

Affordable home loans for eligible rural and suburban properties.

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VA Mortgage Home Loans

Exclusive benefits for veterans and active-duty service members.

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DSCR Loans for Investors

Qualify for financing using the property's income, not your personal income.

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1099 Mortgage Options

Flexible mortgage options designed for self-employed and 1099 earners.

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Bank Statement Loans

Qualify for financing using the property's income, not your personal income.

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Documentation Help—Start to Finish

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:

1–2 years of business and personal tax returns
Year-to-date P&L statements
Business licenses or incorporation documents
12–24 months of bank statements
Retirement, investment, or savings documentation (if using assets to qualify)

No guesswork—just clear guidance from application to approval.

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Why Choose Mortgages by Scott

Decades of experience helping self-employed clients in Florida and beyond
Access to a range of traditional and portfolio mortgage options
Fast, digital-friendly loan processing with the MyHomeLoan app
Licensed to serve clients throughout Florida, from major cities to coastal towns

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Florida Real Estate Market Know-How

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.

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Testimonials

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Self-Employed Jumbo & Luxury Investors About Reviews Contact

Scott Hastings, NMLS #926762
Arbor Financial, NMLS #236669

Licensed in NC, SC, FL, GA, VA, AR, IN, NH, MD, MT, NV

Equal Housing Lender. All loans subject to credit and property approval.