Flexible Financing for Unique Borrowers

Non-QM (Non-Qualified Mortgage) Loans are designed for borrowers who do not meet traditional mortgage requirements, offering more flexible qualification criteria. Whether you’re self-employed, have irregular income, or need alternative documentation, Non-QM Loans provide solutions that traditional lenders might not offer. With guidance from Billy Kinberg – Senior Loan Officer, you gain access to tailored financing options that meet your specific financial situation.
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Alternative Income Verification Options

Unlike conventional loans, Non-QM Loans allow for alternative methods of verifying income, such as bank statements, profit and loss statements, or 1099 forms. This flexibility makes it possible for self-employed professionals, freelancers, and investors to qualify for mortgage financing. I help you gather the proper documentation and present it effectively to secure approval.
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Flexible Terms to Match Your Financial Goals

Non-QM Loans offer a variety of term lengths and structures, including fixed-rate, adjustable-rate, and interest-only options. This flexibility allows borrowers to select a loan that aligns with their short-term and long-term financial goals. I provide personalized guidance to ensure your loan structure fits your unique situation and investment strategy.
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Benefits of Non-QM Loans

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Flexible Qualification Criteria: Borrowers with unique income situations can qualify more easily.

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Alternative Income Verification: Use bank statements, P&L, or 1099 forms instead of traditional pay stubs.

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Variety of Terms and Structures: Choose fixed, adjustable, or interest-only options to match your goals.

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Support Throughout the Process: Receive expert guidance from application to closing for peace of mind.
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Financing Options for a Variety of Properties

Non-QM Loans can be used for various property types, including primary residences, second homes, and investment properties. This flexibility makes them ideal for borrowers with multiple financial objectives or real estate portfolios. I help you determine the best program for your property type and financial needs, ensuring a smooth financing process.
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Why Choose Us

With Billy Kinberg – Senior Loan Officer, we understand that choosing the right mortgage partner is one of the most important decisions you’ll make. Our mission is to provide personalized, transparent, and reliable mortgage guidance for every client. Whether you’re a first-time homebuyer, an experienced investor, or seeking refinancing options, we take the time to understand your unique financial situation and goals. With extensive experience and licensing across DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, we ensure that you have access to the right loan programs and the best possible rates for your needs.

We are known for

Personalized Client Support: We take the time to understand your financial goals and provide customized guidance through every step of the mortgage process.

Competitive Rates and Flexible Terms: We help you secure the best possible rates and loan structures to fit your unique financial situation.

Transparent and Trustworthy Service: Our clients rely on us for honest advice, clear communication, and a stress-free mortgage experience.

Licensed in Multiple States: Serving DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, we offer local expertise with broad coverage for your convenience.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

We offer a wide range of mortgage solutions, including FHA, VA, Conventional, Jumbo, DSCR, Reverse Mortgage, Down Payment Assistance, First-Time Homebuyer Loans, Non-QM, Bank Statement, P&L, and 1099 Loans. Each program is tailored to meet the unique needs of our clients.

Yes! We specialize in helping self-employed borrowers qualify using alternative documentation such as bank statements, P&L statements, or 1099 forms. Our team will guide you through the process to maximize your approval chances.

We take the time to understand your financial situation, goals, and property type to recommend the best loan program. With personalized guidance, we ensure you select a mortgage that aligns with your needs and long-term plans.

Yes. Billy Kinberg – Senior Loan Officer is licensed in DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, allowing us to serve clients across a wide area with local expertise and support.

The timeline varies depending on the loan type, property, and documentation, but our team is dedicated to making the process as smooth and efficient as possible. We provide clear guidance at every step to ensure timely approvals and closings.

Expert Guidance Throughout the Process

Navigating Non-QM Loans can be complex due to their unique qualification standards, but with professional support, the process becomes manageable. I provide step-by-step guidance from pre-qualification to closing, helping you understand requirements, timelines, and documentation. Licensed across DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, I ensure a seamless and stress-free experience.