Bank Statement Loans Florida | Qualify Without Tax Returns | Ronald Cepeda
Pioneer Mortgage Funding · Bank Statement Loans

Qualify With Your Bank Statements. Not Your Tax Returns.

Built for Florida's self-employed: business owners, freelancers, and 1099 earners whose tax write-offs hide their true income. Your deposits tell the real story.

✓ 12–24 months of statements✓ No tax returns or W-2s✓ Personal or business accounts
See What You Qualify For

Takes 60 seconds · No credit pull · No obligation

Why This Program

Built for exactly your situation

1

No Tax Returns Needed

Your write-offs finally stop working against you. We qualify you on gross deposits, not your after-deduction taxable income.

2

12–24 Months of Statements

Personal or business bank statements work. The longer the history, the stronger your file — but 12 months can be enough.

3

Built for Business Owners

Restaurateurs, realtors, contractors, consultants, freelancers — if you run your own show, this program was designed for you.

4

Competitive Loan Amounts

Financing available well into jumbo territory for Florida's higher-priced markets, with flexible down payment structures.

Client Scenario

The restaurant owner the bank said no to

Carlos runs a successful Miami restaurant. His business deposits averaged $31,000 a month — but after legitimate write-offs, his tax returns showed just $52,000 a year. His bank looked at the returns and declined him. We qualified him on 12 months of business bank statements instead: his real cash flow, not his taxable income. He closed on a $710,000 home with 10% down.

$710K
Purchase Price
10%
Down Payment
24
Days to Close

Illustrative scenario based on real client situations; names and details changed for privacy. Individual results vary. All loans subject to approval.

The Process

Three steps to the closing table

1

Quick Conversation

Tell Ronald about your business and goals — 15 minutes, no documents needed yet.

2

Statement Review

Send your bank statements. We calculate your qualifying income the way these lenders actually count it.

3

Shop 50+ Lenders

Your file goes to the lender with the best bank statement program for your situation — then you close.

Client Reviews

100+ five-star Google reviews

★★★★★

"I've been working with Ronald for over 10 years — he's an absolute professional. No better lender in the state of Florida!"

— Henley Johnson
★★★★★

"From the moment we spoke, transparency was given throughout the whole process. Two weeks exactly to close!"

— Andrew Puebla
Read all reviews on Google →
Get Started

See What You Qualify For

Ronald Cepeda

Ronald personally reviews every inquiry —
expect a call or text the same business day.

By submitting, you agree to be contacted by the Ronald Cepeda Team about your inquiry. We respect your privacy and never sell your information.

✅ You're all set!

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Call or text 305-785-3915
or schedule a call.

Common Questions

Bank Statement Loans FAQ

What is a bank statement loan?

A bank statement loan lets self-employed borrowers qualify using 12 to 24 months of bank deposits instead of tax returns, reflecting true cash flow rather than after-deduction income.

How many months of statements do I need?

Most programs accept 12 or 24 months of personal or business bank statements. More history typically unlocks better terms.

Are rates higher than a conventional loan?

Rates run somewhat higher than conventional loans because documentation is more flexible, but for many self-employed borrowers it's the difference between owning and not owning.

Can I use business bank statements?

Yes. Business statements are common — lenders apply an expense factor to estimate your personal income from business deposits.