Flexible Financing Beyond Traditional Limits

Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don’t fit into the conventional lending box. They cater to self-employed individuals, investors, and those with unique income situations, offering a flexible path to homeownership or real estate investment. Unlike traditional mortgages, Non-QM loans look at your full financial picture, not just tax returns or W-2s.
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Alternative Income Verification Options

One of the main advantages of Non-QM loans is their flexibility in verifying income. Instead of relying solely on tax documents, lenders can use alternative forms of verification like bank statements, 1099s, or asset statements to assess your ability to repay. This makes the loan process accessible for those with complex or fluctuating earnings. This approach respects the diversity of today’s borrowers. Whether your income comes from self-employment, commissions, investments, or multiple sources, a Non-QM loan can adapt to your financial reality. It’s a lending solution built around your actual cash flow, not just a single form of documentation.
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Expanded Loan Qualifying Criteria

Non-QM loans don’t adhere to strict conventional or government-backed lending guidelines. This means borrowers who may have experienced credit challenges, recent life changes, or unique financial circumstances still have an opportunity to qualify. It’s an inclusive loan program designed to meet people where they are. These loans often feature higher loan limits, flexible debt-to-income ratios, and custom terms. For many buyers, that means the difference between getting approved or being turned away by traditional lenders. At Joseph Gillis, we make sure qualified borrowers get the consideration they deserve.
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Benefits of Non-QM Loans

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Alternative income verification using bank statements or assets

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Flexible qualification for self-employed and non-traditional earners

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Ideal for investors, entrepreneurs, and business owners

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Approvals based on real financial strength, not strict guidelines
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Ideal for Self-Employed and Entrepreneurs

For self-employed professionals, business owners, and independent contractors, Non-QM loans provide a way to leverage real financial success without being limited by conventional underwriting. You’ve built your career on independence — your mortgage should reflect that same freedom. Rather than penalizing you for business deductions or irregular income, Non-QM loans focus on your true earning potential and assets. This gives you access to home financing that aligns with your professional lifestyle and financial success, ensuring opportunity isn’t lost to outdated standards.
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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.

Custom Loan Solutions for Every Borrower

Non-QM loans are not one-size-fits-all — they’re personalized to fit your specific situation. You can choose from interest-only options, adjustable rates, or flexible repayment structures that fit your cash flow. This level of customization ensures that your mortgage works with your life, not against it. At Joseph Gillis, we take a consultative approach, guiding you through each step to find the perfect Non-QM solution. Whether you’re purchasing, refinancing, or investing, our team crafts a lending plan that helps you achieve your goals with confidence and clarity.