Helping You Step Into Homeownership

Down Payment Assistance (DPA) programs are designed to make homeownership more accessible, especially for first-time buyers or those who need help covering upfront costs. Many qualified borrowers struggle with saving for a down payment, which can delay their dream of owning a home. With DPA programs, you can receive grants, forgivable loans, or low-interest secondary financing to reduce or even eliminate your down payment obligation. With guidance from Billy Kinberg – Senior Loan Officer, you’ll understand all your options and secure the assistance that best fits your situation.
Contact Us

Flexible Assistance Options to Fit Your Needs

Down Payment Assistance comes in many forms, including state and local grants, second mortgages, and deferred-payment loans. Some programs are forgivable over time, meaning you may never have to repay them if you meet program requirements. I provide expert advice to help you identify programs available in your state—whether DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, or TX—and guide you through the application process for the maximum benefit.
Explore More

Reduce Upfront Costs Without Compromising Your Future

Many buyers worry about tying up savings in a down payment and closing costs. DPA programs help you preserve your cash for emergencies, moving expenses, or home improvements, while still allowing you to secure your ideal home. By combining Down Payment Assistance with loan programs like FHA, Conventional, or VA, you can reduce your financial burden without compromising your long-term financial stability.
Explore More

Benefits of Down Payment Assistance

_______

Access to Funds for Your Down Payment: Reduce or eliminate the upfront cost of purchasing your home.

_______

Flexible Programs Across Many States: Benefit from grants, forgivable loans, and secondary financing in DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX.

_______

Preserve Your Savings: Keep cash available for moving expenses, home improvements, or emergencies.

_______

Personalized Guidance Throughout: Receive expert assistance from program selection to closing.
get personalized Loan options

Support for First-Time Homebuyers

Down Payment Assistance programs are especially beneficial for first-time buyers who may not have accumulated significant savings. These programs are designed to bridge the gap, making homeownership attainable sooner. I provide step-by-step guidance, helping you understand eligibility requirements, program limits, and application timelines, so you can confidently take the first step toward owning your home.
Explore More

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.

talk to a loan specialist

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.

talk to a loan specialist

"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 from Application to Closing

Navigating Down Payment Assistance programs can be complex, but with the right support, it becomes manageable and rewarding. I ensure you understand program requirements, deadlines, and documentation needed to qualify. From exploring available assistance to securing approval and closing your loan, I provide personalized support to make the process smooth, stress-free, and tailored to your financial goals.