Simplified Financing for Self-Employed Borrowers

Bank Statement Loans are designed for self-employed individuals, freelancers, and business owners who may not have traditional W-2 income documentation. Instead of relying solely on tax returns, these loans use bank statements to verify income, making it easier for borrowers with variable or complex earnings to qualify. With guidance from Billy Kinberg – Senior Loan Officer, you can secure financing that accurately reflects your financial reality.
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Alternative Income Verification Made Simple

Bank Statement Loans review your personal or business bank deposits over a set period—typically 12 to 24 months—to determine income. This method provides a more accurate picture of your cash flow and can help you qualify for a larger loan amount than traditional documentation allows. I assist in organizing your statements and presenting your income clearly to meet lender requirements.
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Flexible Loan Terms and Options

These loans offer a variety of term lengths and structures, including fixed-rate and adjustable-rate options, to fit your financial strategy. Whether you are purchasing a home, refinancing, or investing in real estate, Bank Statement Loans provide flexibility in repayment schedules and loan terms. I guide you in choosing the best option for your unique financial situation.
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Benefits of Bank Statement Loans

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Income Verified Through Bank Statements: Qualify using deposits instead of traditional W-2s or tax returns.

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Flexible Terms and Structures: Choose fixed or adjustable-rate loans to match your financial goals.

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Suitable for Multiple Property Types: Finance primary residences, second homes, or investment properties.

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Personalized Guidance Throughout: Receive expert support from application to closing for a stress-free experience.
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Access to Financing for Investment and Primary Homes

Bank Statement Loans can be used for primary residences, second homes, and investment properties, giving self-employed borrowers a versatile financing option. This flexibility makes it easier to expand your real estate portfolio or secure your dream home without the limitations of traditional income verification. I help you identify the best program for your property type and investment goals.
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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 from Start to Finish

Navigating Bank Statement Loans can be complex due to unique documentation requirements, but professional support makes the process smooth and stress-free. From reviewing bank statements to preparing your application and closing your loan, I provide step-by-step guidance. Licensed across DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, I ensure a seamless experience tailored to self-employed borrowers.