What Are VA Loans?

VA loans are exclusive mortgage benefits designed for eligible veterans, active-duty service members, and qualifying surviving spouses. Backed by the Department of Veterans Affairs, these loans offer exceptional advantages that can make homeownership more achievable and financially sustainable. I take time to walk you through your VA eligibility and benefits, ensuring you feel informed and supported from beginning to end.

Zero Down, Zero Stress

With VA loans, qualifying borrowers can purchase a home without a down payment, making it possible to secure a home without waiting years to save. This benefit can help you move forward sooner and keep your savings available for other needs. I work closely with you to make sure you take full advantage of this valuable opportunity.

Lower Monthly Costs, More Savings

VA loans do not require private mortgage insurance (PMI), even when no down payment is made. This can reduce your monthly payment and help you build equity faster. I’ll guide you through how this impacts your payment structure so you feel confident in your financial plan.

Benefits of VA Loans

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No down payment required for eligible borrowers

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No private mortgage insurance, keeping payments affordable

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Competitive rates designed to support long-term affordability

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Streamlined refinance options to improve terms with ease

Simplified Refinancing Options

For those who already have a VA loan, the VA Interest Rate Reduction Refinance Loan (IRRRL) offers a streamlined path to lower monthly payments and improved terms. With less paperwork and a smoother approval process, refinancing can be quick and efficient. I’ll help you determine if and when a refinance makes sense for your goals.

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.

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.

"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.