Purchases
Refinances
Cash-Outs
Debt Consolidation
Own or Refinance a Home—Without the Red Tape
Start today. It only takes 60 seconds
If you’re self-employed, 1099, or a business owner, you know traditional mortgages don’t fit your income reality. Our Bank Statement Loan Program uses your deposits—not your tax returns—to get you qualified.
Get approved with bank statements—skip the W-2s, K-1s, and income worksheets.
Bad credit? Recent credit events? We look at the full picture, not just a score.
We use 12–24 months of your bank statement deposits to verify income—no P&L needed.
Whether you're purchasing, refinancing, or consolidating debt, we make it happen.
Our South Florida specialists move quickly with local underwriters who get it done.
Need more buying power or want to invest? We've got high-limit and multi-property options too.
South Florida Self-Employed Buyers: This Is Your Loan Solution
Bank Statement Loans give self-employed professionals, freelancers, and business owners a flexible path to homeownership—without tax returns or traditional income documents. If you're in South Florida, Dynamic Funding Solutions helps you qualify based on real income, not write-offs.
We manage everything locally. That means faster decisions, personalized guidance, and loan approvals that work with your income reality—from Coral Gables to West Palm Beach.
South Florida Borrowers We Serve Every Day
You’re a fit if you’re:
- A self-employed professional with strong monthly deposits
- A 1099 contractor, freelancer, or gig worker
- A small business owner with write-offs that lower reported income
- Recently denied a loan because you didn’t fit the traditional box
- Looking to buy, refinance, or consolidate debt with your equity
What You Can Use It For
- Home Purchase
- Rate & Term Refinance
- Cash-Out Refinance
- Debt Consolidation
- Secondary or Investment Property Loans
South Florida Loan Experts Who Understand Self-Employed Borrowers
- You Run a Business or Work 1099 in Broward or Miami-Dade
Use your monthly deposits—not tax returns—to qualify for a home in Fort Lauderdale, Hollywood, Coral Gables, or Miami.
- You’re Renting in Palm Beach County, But You Want to Own
Stop throwing money at rent in Boynton Beach, Delray, or West Palm Beach—own with a loan designed for your income reality.
- You Can’t Show Enough Income on Your Taxes
With our Bank Statement Loans, your deposits do the talking—not your deductions.
- You Need to Consolidate High-Interest Debt
Use your home’s equity to wipe out business or personal debt and reduce monthly expenses.
- You’ve Been Denied by a Traditional Lender
We specialize in approvals for hardworking, self-employed buyers overlooked by big banks.
Real Client Wins
“As a hairstylist with no W-2s, I thought I had no chance. Dynamic Funding got me approved using just my deposits—and I bought my condo in Miami with 10% down.”
— Jessica L., Miami
Frequently Asked Questions
What’s the minimum credit score to qualify?
How much do I need for a down payment?
Do I need to show profit on my taxes?
Can I refinance my current home using this program?
How long does pre-approval take?
How fast can I close?
You Work for Yourself.
Your Loan Should Work for You.
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Submit Your Bank Statements
Upload 12 or 24 months of personal or business statements—no tax returns needed.
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Get Pre-Qualified by a Local Expert
Work with a South Florida loan advisor who understands self-employed income flows.
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Search Without Stress
Know exactly what you can afford so you can make competitive offers with confidence.
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Close Fast with Local Support
With in-house underwriting and hands-on guidance, most loans close in 21–30 days.