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    Home financing

    Bank Statement and Non-QM Loans in Florida

    Last updated October 10, 2026

    ABS Home Mortgage offers non-QM loans in Florida for borrowers who don't fit a conventional income-documentation box. That includes self-employed borrowers who qualify with bank statements instead of tax returns, and a newer program for primary homes that does not require income documentation. Programs, eligibility and terms vary by borrower and property, subject to underwriting.

    ApplyCall 630-357-1600

    Toll Free: 1-866-666-2378 (866-666-BEST)

    Tampa, Florida skyline — ABS Home Mortgage bank statement and non-QM home loans

    Program availability and eligibility as of October 10, 2026; subject to change and underwriting.

    What non-QM means

    Non-QM loans fall outside the federal Qualified Mortgage definition. We use them when income is hard to show on tax returns. Non-QM loans still follow federal ability-to-repay rules, and we evaluate your ability to repay using the documentation and factors each program allows.

    Non-QM loan programs

    Bank statement loans

    We qualify you using bank statements in place of tax returns, with statements for the program's required period. Eligibility is subject to underwriting.

    No-income-documentation loans for primary homes

    We offer a newer non-QM program for owner-occupied primary residences only that does not require income documentation. Maximum loan-to-value of 80%. Minimum credit score and other guidelines may apply. We evaluate credit, assets, the property and other program factors, subject to underwriting.

    DSCR loans for investment properties

    For rental properties, we offer DSCR loans that qualify the property on its rental income rather than personal tax returns, subject to program guidelines and underwriting.

    Explore DSCR loans · Florida DSCR investor loans

    Asset depletion (asset utilization) loans

    We qualify you using liquid assets such as savings, investments and retirement accounts converted into qualifying income. This may fit retirees or high-net-worth borrowers with modest reported income, subject to program guidelines and underwriting.

    1099 / P&L loans

    We qualify self-employed, commission and gig-economy borrowers using 1099s or a CPA-prepared profit-and-loss statement, subject to program guidelines and underwriting.

    Who it fits

    • Self-employed and 1099 borrowers
    • Business owners whose tax returns show heavy write-offs
    • Borrowers with variable or seasonal income
    • Borrowers who recently changed income structure

    We review your borrower and property details together. Eligibility is subject to program guidelines and underwriting.

    Our purchase closing timeline

    Our average purchase close is 21 calendar days; timelines vary by file and no timeline is guaranteed.

    As of October 10, 2026; subject to change. Documentation, appraisal and underwriting can affect the timeline.

    Documents we typically ask for

    • ID
    • Bank statements for the program's required period
    • Proof of the business or self-employment where applicable
    • Asset statements
    • Credit authorization
    • Purchase contract or current mortgage statement for a refinance

    The no-income-documentation program relies on credit, assets and other program guidelines instead of income documents. We confirm which documents your program requires; additional documentation may be needed.

    Home financing for Florida borrowers

    We work with borrowers in Tampa, Orlando and Miami, including many self-employed, freelance and small-business borrowers.

    For legal or tax questions, confirm with your attorney or tax advisor.

    Florida Non-QM loan FAQs

    Yes. ABS Home Mortgage offers a non-QM program for primary homes that does not require income documentation. It is not a loan without qualifying: the program still looks at your credit, assets and the property, maximum loan-to-value of 80%, and minimum credit score and other guidelines may apply. Non-QM loans still follow federal ability-to-repay rules, and all loans are subject to underwriting. Call us at 630-357-1600 to see whether you fit.

    A bank statement loan lets us qualify you using bank statements in place of tax returns. We review the statements for the program's required period and evaluate your ability to repay using the documentation and factors that program allows. Eligibility is subject to underwriting.

    Yes. Bank statement loans may fit self-employed and 1099 borrowers, including business owners whose tax returns show heavy write-offs. We review your bank statements and proof of business or self-employment where applicable, subject to program guidelines and underwriting.

    The no-income-documentation program is for primary homes. For investment properties, see our DSCR loans, which qualify the property on its rental income, subject to program guidelines and underwriting.

    We lend in Illinois, Florida, Georgia and Texas. Programs, eligibility and terms vary by borrower and property, subject to underwriting.

    Asset depletion, also called asset utilization, lets us qualify you using liquid assets such as savings, investments and retirement accounts converted into qualifying income. It may fit retirees or high-net-worth borrowers with modest reported income, subject to program guidelines and underwriting.

    A 1099 / P&L loan lets us qualify self-employed, commission and gig-economy borrowers using 1099s or a CPA-prepared profit-and-loss statement, subject to program guidelines and underwriting.

    DSCR loans for investment properties

    Let's review your home financing in Florida

    We can review your credit, assets and documentation and explain which financing options may fit.

    ApplyCall 630-357-1600

    Toll Free: 1-866-666-2378 (866-666-BEST)

    Also see: all loan products · Non-QM loan overview · DSCR loans · request today's rate · mortgage calculators

    Non-QM by State

    ABS Home Mortgage is licensed in Illinois, Florida, Georgia and Texas.

    ABS Home Mortgage, Inc. — NMLS ID: 209985. Bhupesh Saggar, Mortgage Loan Originator — NMLS ID: 221364. Equal Housing Lender.

    This is not a commitment to lend. Rates, terms, and programs subject to change without notice. All loans subject to credit approval.

    Non-QM and home financing reading

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