What Are Bank Statement Loans?

Bank Statement Loans are a flexible mortgage option designed for self-employed borrowers or those with nontraditional income sources. Instead of relying on tax returns or W-2s, lenders use your personal or business bank statements to verify income, giving you a clear path to homeownership even if your earnings don’t fit conventional patterns. I help my clients navigate this process, reviewing your statements carefully and ensuring you understand how your income will be evaluated. My goal is to make this alternative mortgage option accessible, straightforward, and tailored to your unique financial situation.
Contact Us

Qualify with What You Have

One of the key benefits of a Bank Statement Loan is that it allows you to qualify based on your actual deposits rather than complicated income calculations. This makes it easier for entrepreneurs, freelancers, and business owners to secure financing without traditional documentation hurdles. I work with you to analyze your bank history, highlight consistent income, and present the strongest possible case to the lender. By leveraging what you already have, I help you gain confidence and clarity throughout the approval process.
Explore More

Designed for Self-Employed Borrowers

Self-employed individuals often face challenges with conventional loans due to fluctuating income or complex tax filings. Bank Statement Loans address this by focusing on cash flow and real deposits, providing a pathway for qualified buyers who might otherwise struggle to meet standard requirements. I guide you through the eligibility process, helping you understand how much income is required, what counts toward qualification, and how to present your finances effectively. My aim is to make your unique income situation work for you, not against you.
Explore More

Benefits of Bank Statement Loans

_______

Qualify using bank statements instead of traditional tax documents

_______

Ideal for self-employed borrowers and freelancers

_______

Flexible terms similar to conventional loans

_______

Simplifies documentation without compromising on financing options
get personalized Loan options

Flexible Terms and Options

Bank Statement Loans often offer flexible terms and competitive interest rates, similar to conventional loans, but with more lenient documentation requirements. Whether you are buying your first home, upgrading, or investing in property, this program can adapt to your goals. I help you compare your options, select the best loan term, and structure your financing in a way that aligns with your budget and long-term plans. Together, we ensure the loan works for you, not the other way around.
Explore More

Why Choose Us – Your Trusted Partner

Patty Galceran takes the time to understand your unique financial situation and goals, guiding you through every step of the mortgage process with clarity and personalized support. Whether it’s your first home, an investment property, or a complex loan, she ensures the process is straightforward and stress-free.

With Patty by your side, you’re not just getting a loan — you’re gaining a trusted partner who genuinely cares about your success. She provides expert guidance, honest advice, and a supportive experience to help you achieve your homeownership goals with confidence.

We are known for

Personalized Guidance – Patty Galceran takes the time to understand your goals and financial situation, providing tailored solutions for every client.

Expert Knowledge – With deep experience across a wide range of loan programs, Patty ensures you get clear, accurate advice at every step.

Smooth & Stress-Free Process – From application to closing, Patty makes the mortgage experience simple, transparent, and worry-free.

Commitment to Your Success – Patty is dedicated to helping you achieve homeownership and investment goals while building long-term financial confidence.

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"

I work with a wide range of loan programs, including FHA, VA, Conventional, Jumbo, DSCR, Bank Statement, and more. My goal is to find the right mortgage that fits your unique financial situation and homeownership goals.

I take the time to understand your needs, income, credit profile, and long-term goals. Together, we review your options and select a program that offers the best combination of affordability, flexibility, and financial strategy.

Absolutely! Many of my loan programs, such as Bank Statement Loans, DSCR Loans, and Assets-As-Income Loans, are designed for self-employed individuals, investors, or those with unique income sources. I help you understand the documentation and eligibility requirements.

 

The timeline depends on the type of loan and your financial situation, but I strive to make the process as smooth and efficient as possible. I guide you through each step, keep you informed, and work to ensure timely approvals and closings.

 

Yes! I specialize in helping first-time buyers navigate the process with programs that include low down payments, grants, and other forms of assistance. I provide guidance, education, and support to make your first home purchase stress-free.

 

Getting started is easy! You can reach out to me directly through the website or by phone. I’ll schedule a consultation to review your goals, discuss your loan options, and create a customized plan to help you achieve your homeownership or investment objectives.

Empowering Financial Independence

Bank Statement Loans can turn unconventional income into a pathway to homeownership. I review your statements, clarify the process, and guide you through every step so you feel confident submitting your application. My approach is hands-on and personalized, making sure your financing aligns with your lifestyle, income structure, and long-term goals. When you’re ready, I’m here to help you move forward smoothly and successfully.