A Smarter Path for Self-Employed Borrowers

Bank Statement Loans are designed for self-employed individuals, freelancers, and entrepreneurs who earn a strong income but may not show it traditionally on tax returns. Instead of using W-2s or pay stubs, lenders evaluate your bank statements to verify income and cash flow, giving you credit for what you truly earn.
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Simplified Income Verification Process

The hallmark of a Bank Statement Loan is flexibility. Borrowers typically submit 12 to 24 months of personal or business bank statements, allowing lenders to analyze average deposits and determine consistent earning power. This makes qualifying straightforward and fair, especially for those with variable income streams. This simplified verification process not only saves time but also reduces stress. Instead of gathering complicated tax records, you can demonstrate your financial stability through clear, transparent bank data. It’s a process built around efficiency and accuracy, tailored to real-world borrowers.
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Tailored Financing for Entrepreneurs

Entrepreneurs and small business owners often face challenges when seeking traditional financing because their reported income doesn’t reflect their actual financial capability. Bank Statement Loans bridge that gap, making it easier for business-minded borrowers to access the credit they deserve. These loans are perfect for professionals who invest heavily in their businesses, have irregular pay cycles, or derive income from multiple sources. With Joseph Gillis, you can unlock homeownership or investment opportunities without compromising your business operations or lifestyle.
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Benefits of Bank Statement Loans

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Qualify using personal or business bank statements

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Ideal for self-employed, freelancers, and business owners

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Flexible income verification with no need for tax returns

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Simplified process for faster approval and closing
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Competitive Terms and Loan Flexibility

Bank Statement Loans are not just convenient — they’re competitive. Borrowers can choose from fixed or adjustable-rate options, extended loan terms, and customized repayment structures that fit their financial goals. Whether you’re purchasing a primary home, a vacation property, or refinancing, flexibility is always part of the plan. At Joseph Gillis, we believe your mortgage should adapt to your life, not the other way around. We take the time to structure your loan terms for comfort and long-term financial success, ensuring your mortgage aligns with your growth and cash flow patterns.
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Why Choose Us

At Joseph Gillis, we believe that securing a home loan should be more than a transaction — it should be a personalized experience built on trust, transparency, and care. Our team is dedicated to guiding you through every step of your homeownership journey with clear communication, expert advice, and tailored solutions designed around your goals. Whether you’re buying your first home, refinancing, or investing, we make the process seamless, stress-free, and centered on your success.

We are known for

Personalized Lending Solutions – Every client’s financial journey is unique, and we tailor loan programs to match your exact needs, goals, and lifestyle.

Transparent and Honest Guidance – We believe in complete clarity throughout the mortgage process, ensuring you understand every option and decision with confidence.

Fast and Efficient Closings – Our streamlined process and dedicated team help you move from application to approval quickly and smoothly.

Expertise Across All Loan Types – From Conventional and FHA to DSCR, Non-QM, and Foreign National Loans, we provide expertise across every mortgage solution.

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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"

A VOE (Verification of Employment) Only Loan is a mortgage program that allows borrowers to qualify based solely on employment verification instead of traditional income documents like tax returns or pay stubs. It’s designed for individuals with stable jobs who may have complex financial situations or prefer a simplified approval process.

At Joseph Gillis, we provide a wide range of mortgage programs to fit different financial needs and lifestyles. Our loan options include FHA, VA, Conventional, Jumbo, DSCR, Non-QM, Bank Statement, Hard Money, Home Equity, VOE Only, Foreign National, First-Time Home Buyer, and Refinance loans. Each program is designed to help clients achieve their homeownership or investment goals with confidence.

Our team takes a personalized approach to every client. We evaluate your financial situation, long-term goals, and property type to recommend the most suitable loan option. Whether you’re self-employed, a veteran, a first-time buyer, or an investor, Joseph Gillis provides tailored mortgage solutions that work best for your circumstances.

What sets us apart is our commitment to honesty, transparency, and results. We combine modern lending solutions with personalized guidance to make the mortgage process simple, fast, and stress-free. At Joseph Gillis, you’re not just another loan file — you’re a valued client, and we’re dedicated to finding the perfect financing fit for your goals.

Yes, absolutely. We specialize in helping clients with various income situations — including self-employed individuals, investors, and foreign nationals. Through programs like Bank Statement Loans, VOE Only Loans, and Non-QM Loans, Joseph Gillis ensures that even those with non-traditional income can access the financing they deserve.

Designed for Real Financial Success

Bank Statement Loans are more than an alternative — they’re an opportunity to leverage your actual financial strength. They empower borrowers who might otherwise be overlooked by conventional standards to achieve homeownership and financial freedom. Every borrower’s story is unique, and your mortgage should reflect that. With our tailored guidance and in-depth understanding of self-employed income, Joseph Gillis helps you navigate the process with ease and confidence — so your success story continues to grow.