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.

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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.