Non-QM & Self-Employed Mortgages in Florida

About 1,332,175 people work for themselves across the Florida counties in our data, and lenders reported 5,641 first mortgages there in 2024 with interest-only, balloon or other features that fall outside the Qualified Mortgage rules. This page covers the Florida rules self-employed and non-QM borrowers ask about, every program by state, and local pages for 471 cities and towns.

Self-employed or outside the box in Florida?

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Florida rules and records to know

Mortgage licensing: Florida Office of Financial Regulation
Business entity records: Florida Department of State, Division of Corporations
CPA licensing: Florida Board of Accountancy / Division of Certified Public Accounting
Professional license lookup: Florida Department of Business & Professional Regulation
Condo buyers: Florida requires milestone structural inspections for older condominium and cooperative buildings of three or more stories, and condo associations must complete a structural integrity reserve study (SIRS) covering items like roofs, structure, plumbing, electrical and waterproofing and report it to the state. Buyers and lenders often ask for these inspection and reserve study results because they can signal upcoming repairs or special assessments.
Foreclosure process: Judicial: a Florida foreclosure is a court case heard in the circuit court's civil division, and if default is proven the court enters a judgment ordering a public sale of the property.
Recording taxes and fees: Documentary stamp tax on deeds and other documents that transfer an interest in Florida real property; documentary stamp tax on notes and recorded mortgages (written obligations to pay money); and nonrecurring intangible tax on mortgages - collected by the county clerk when the document is recorded.

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Prefer to talk first? Call (888) 508-8976. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Non-QM programs in Florida

Larger Florida cities

https://www.flofr.gov/sitepages/documents/OFR050515.pdf
https://floridahousing.org/hometownheroes
https://floridarevenue.com/taxes/taxesfees/pages/doc_stamp.aspx
https://www.sarasotaclerk.com/Records/Recording-Services/Recording-Requirements/Recording-Fees-and-Taxes-Required
https://floridarevenue.com/Property/Pages/Taxpayers_Exemptions.aspx
https://search.sunbiz.org/
https://www2.myfloridalicense.com/services-requiring-a-dbpr-license/certified-public-accounting/
https://www.myfloridalicense.com/wl11.asp
https://www2.myfloridalicense.com/condominiums/condominiums-and-cooperatives-sirs-reporting/
https://www2.myfloridalicense.com/condos-timeshares-mobile-homes/building-report/