Understanding Assets As Income Loans

Assets As Income Loans are designed for borrowers whose income may not come from traditional sources like salaries or W-2s. Instead, lenders evaluate your liquid assets—such as savings, investments, and retirement accounts—as proof of income to qualify for a mortgage. This option is ideal for individuals who are financially stable but have nontraditional income streams. I help my clients understand how their assets can be used effectively to meet qualification requirements, providing a clear, step-by-step approach that makes the process straightforward and manageable.
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Qualifying Through Your Savings and Investments

One of the main advantages of this loan type is that it allows you to leverage your existing assets rather than relying solely on reported income. This is particularly useful for retirees, investors, or those with fluctuating earnings who want to purchase a home without conventional documentation hurdles. I work closely with you to review your accounts, calculate qualifying income, and present the strongest possible case to the lender. My goal is to ensure that your financial strengths are fully recognized in the mortgage process.
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A Flexible Solution for Nontraditional Income Sources

Assets As Income Loans provide flexibility for borrowers who might otherwise face challenges with traditional underwriting. By considering your investments, savings, or other liquid holdings, lenders can evaluate your financial stability in a more comprehensive way. I guide you through every detail, explaining what types of assets qualify, how they are calculated, and what documentation is needed. Together, we create a plan that positions you for approval while protecting your long-term financial strategy.
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Benefits of HELOCs

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Qualify using liquid assets instead of traditional salary or W-2 income

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Ideal for self-employed individuals, retirees, and investors

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Flexible underwriting that reflects overall financial stability

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Allows strategic use of assets without requiring full liquidation
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Strategic Planning for Your Mortgage

This type of loan also allows for more strategic financial planning, as it enables you to use your assets without necessarily liquidating them entirely. I help you assess which accounts can be used for qualification, how this impacts your monthly payment, and ways to optimize your overall financial position. With careful guidance, you can leverage your assets to secure a mortgage that fits both your lifestyle and long-term goals, while minimizing any disruption to your financial portfolio.
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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.

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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"

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.

Use Your Assets to Achieve Homeownership

Assets As Income Loans turn your financial strength into a pathway to homeownership. I work closely with you to analyze your accounts, determine eligibility, and ensure your loan is structured to support your goals. My approach is personal and thorough, providing clarity and confidence so you can secure your home without unnecessary complications. When you’re ready, I’m here to help you leverage your assets effectively and move forward with confidence.