Understanding FHA Loans

FHA loans are government-backed mortgage options designed to make homeownership more accessible for a wide range of borrowers. Because these loans are insured by the Federal Housing Administration, they allow for more flexible qualification standards, including lower down payments and more forgiving credit requirements. I guide my clients through the FHA loan process step-by-step, helping you understand your options and making sure you feel confident from application to closing.
Contact Us

Low Down Payment Options

One of the most well-known benefits of FHA loans is the ability to purchase a home with a low down payment. With as little as 3.5% down, this loan can open the door to homeownership sooner, especially if you haven’t had time to save a large amount upfront. I help you explore down payment assistance and other resources that may be available so you can move forward comfortably and at your own pace.
Explore More

Credit-Friendly Requirements

FHA loans are designed for buyers who may not have a perfect credit history. Whether you’re rebuilding credit or just getting started, FHA’s flexible guidelines may offer you a path forward. I take time to understand your financial situation and help you identify the best approach to qualify and strengthen your long-term financial profile.
Explore More

Benefits of FHA Loans

_______

Lower down payment requirements make homeownership more accessible

_______

Flexible credit qualifications support a wide range of buyers

_______

Competitive interest rates that can lower monthly payments

_______

Streamlined refinancing options for simpler financial improvement
get personalized Loan options

Refinancing Made Simple

FHA isn’t just for purchasing — it can also help you refinance your existing mortgage. Through the FHA Streamline Refinance option, many homeowners are able to reduce their interest rate and monthly payment with limited paperwork and, in many cases, no new appraisal. When refinancing makes sense, I’ll help you evaluate the opportunity and handle the process efficiently and with care.
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.