Every bank you've talked to is reselling someone else's money. We're not. We fund it ourselves, which is why our rates are lower and our closings are faster.
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Leave your info. We'll call you back, usually within the hour.
"Two banks said no before anyone looked at my actual deposits. I run a marketing agency. Tax returns show $42k, my account shows a lot more. Bedrock used bank statements and we closed in Tampa without the usual runaround."
"Second rental property. I didn't want to send tax returns again. Just needed them to check if rent covered the note. That's what they did. Already talking about number three."
Best rates for W-2 borrowers with solid credit and stable employment history.
→ 3.5% DownLower credit scores welcome. Great for first-time buyers.
→ No Tax ReturnsQualify on rental income alone. For investors building a real estate portfolio.
→ Self-EmployedUse 12–24 months of bank deposits instead of tax returns. Built for entrepreneurs.
→ High-Value HomesFinancing above conforming limits for luxury properties across Florida.
→ Non-US CitizensDSCR programs for non-resident investors buying Florida real estate.
→Know your number before you walk into an open house.
Real estate agents return your calls when you have a pre-approval letter in hand.
Your agent will know you're serious before you say a word.
We handle the paperwork while you pack boxes and plan your housewarming.
Self-employed. Investors. First-time buyers with thin credit files. If you've been told no, or quoted a rate that didn't make sense, that's usually who we built this for.
Representative rates · 780+ credit · 20% down · Florida primary residence
Your actual rate depends on credit score, LTV, property type, and market conditions. These are not locked rates.
I'm buying a in county, FL for , putting % down. My credit score is , and I plan to use it as my .
I have a mortgage balance of at % interest on my in county, FL worth . My credit score is , and I use it as my .
*Property tax and insurance are estimates based on Florida averages. Actual amounts may vary by location and property.
Questions? Call us at (877) 777-7262
No call centers. No hand-offs. Your loan officer's direct line is yours from day one.
Mon – Fri, 8 AM – 6 PM ET
hello@bedrock.mortgage
Response within one business day
Start application. Close in 21 days.