17Apr
By Alternative Income Loans, Florida Mortgage Tips, Refinance Programs, Self-Employed Home Loans 0 Comments

Self-Employed Refinance Florida programs are now more accessible than ever. If you’re self-employed and living in Florida, refinancing your home loan without W-2s is absolutely possible — and Mangos Capital is here to guide you through it with ease.

Many entrepreneurs, consultants, freelancers, and small business owners face unnecessary roadblocks with traditional lenders. But with the right lender, you can refinance based on your real income, not outdated paperwork.

Why Choose a Self-Employed Refinance in Florida?

Refinancing gives you the opportunity to:

  • Lower your monthly mortgage payments

  • Reduce your interest rate

  • Consolidate debts into one manageable payment

  • Access home equity for investments or emergencies

For self-employed borrowers in Florida, refinancing is a powerful tool to improve financial stability — especially when your income varies from month to month.

Do I Qualify for a Self-Employed Refinance in Florida?

Yes, and it’s easier than you might think.

At Mangos Capital, we offer flexible refinance options tailored to self-employed individuals. Whether you earn through 1099s, run a business, or freelance full-time, our programs are built for real-life income situations — not just traditional employment.

What Documents Can I Use to Apply?

Instead of W-2s and pay stubs, you can qualify using:

  • 1099 Forms – perfect for freelancers, creatives, or contract workers

  • 12 to 24 Months of Bank Statements – business or personal

  • Profit & Loss Statements – to show income trends

  • CPA Letter – a quick way to verify consistent income

These documents allow us to evaluate your actual income and create a mortgage plan that fits your lifestyle.

Why Mangos Capital?

Mangos Capital has helped hundreds of Florida homeowners like you refinance successfully without the typical headaches. Here’s what sets us apart:

  • Specialized Self-Employed Programs: We understand your needs

  • Fast Approvals: Get results quickly and efficiently

  • Flexible Terms: Tailored to your real income and business cycle

  • Personal Guidance: You’ll work one-on-one with a dedicated mortgage expert

We believe refinancing should be simple, stress-free, and rewarding — not a guessing game.

When Should You Refinance?

Refinancing could be the right move if:

  • Interest rates have recently dropped

  • Your credit score has improved

  • You want to pull cash out for expansion or expenses

  • You’re paying a higher rate because you didn’t qualify traditionally before

The earlier you refinance, the more you can potentially save — especially if you’re paying above-market rates today.

Bonus Tip: What About My Credit Score?

Refinancing typically involves a credit check, but the long-term impact is often positive. Lower monthly payments and reduced interest help many of our clients strengthen their credit over time.

Want to Explore More?

Check out our Bank Statement Loan Program and browse all our Loan Options. You can also visit the Consumer Financial Protection Bureau to learn more about your refinance rights.

Apply Now

Ready to take control of your finances with a self-employed refinance in Florida? Apply Now and let Mangos Capital help you get the flexible mortgage solution you deserve.