Simplified Home Financing with Profit and Loss Loans

Gerano White with NEXA Mortgage, we recognize that not all borrowers fit into traditional income verification boxes. Our Profit and Loss (P&L) Loans are designed specifically for self-employed individuals and business owners who prefer to use their company’s financial statements to qualify for a mortgage.
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Perfect for Self-Employed Borrowers

For entrepreneurs and small business owners, traditional loan requirements can be restrictive. The P&L Loan option gives you the flexibility to demonstrate your earning potential through your business’s actual financial activity. With Gerano White with NEXA Mortgage, we make it easier for hardworking business owners to achieve homeownership or invest in real estate without unnecessary red tape. We evaluate your application based on your company’s growth, cash flow, and overall financial health — giving you a fair chance to qualify.
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Streamlined Qualification and Documentation

The Profit and Loss Loan process is designed to minimize the paperwork and stress associated with traditional mortgage applications. Instead of extensive income verification or multiple years of tax returns, all you need is a current CPA-prepared P&L statement that reflects your business performance. With Gerano White with NEXA Mortgage, we simplify the review process to ensure a faster turnaround and smooth experience. We focus on your financial reality today, not just what’s shown on last year’s tax forms, allowing you to move forward quickly and confidently.
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Benefits of Profit and Loss Loans with Gerano White with NEXA Mortgage

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No Tax Returns Required: Qualify using a CPA-prepared Profit and Loss statement.

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Ideal for Self-Employed Borrowers: Tailored for business owners, freelancers, and entrepreneurs.

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Simplified Process: Reduced paperwork and faster approvals compared to traditional loans.

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Flexible Terms: Choose from multiple options that align with your income and business needs.
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Competitive Terms and Flexible Options

With Gerano White with NEXA Mortgage, our Profit and Loss Loans come with competitive rates, flexible terms, and custom solutions to fit your unique financial situation. Whether you’re looking to purchase a new home, refinance, or invest, our team works to match your goals with the best loan structure possible. We prioritize your long-term success by providing options that work for your cash flow, not against it. This flexibility makes our P&L Loan program ideal for self-employed borrowers looking for both stability and opportunity.
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Why Choose Us

Choosing the right mortgage partner can make all the difference in your home financing journey. With Gerano White with NEXA Mortgage, you gain more than just a lender — you gain a dedicated partner who understands your goals, listens to your needs, and works tirelessly to find the best loan solution for you.

We combine years of industry expertise, innovative loan programs, and personalized service to ensure every client receives the attention and care they deserve. Whether you’re buying your first home, refinancing, or investing in real estate, our mission is to make the process smooth, transparent, and stress-free from start to finish.

We are known for

Personalized Service: Every client’s situation is unique, and we take the time to tailor loan solutions that perfectly fit your goals and financial needs with Gerano White with NEXA Mortgage.

Transparent Process: We pride ourselves on honesty and clear communication, ensuring you’re informed and confident every step of the way.

Fast & Efficient Closings: Our streamlined process and expert team help you close quickly — saving you time while maintaining accuracy and care.

Extensive Loan Options: From FHA and VA to Non-QM and DSCR programs, we provide a wide variety of mortgage products designed to fit any borrower’s profile.

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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"

Gerano White with NEXA Mortgage offers a wide range of home financing solutions designed to fit every borrower’s needs. Our loan programs include DSCR Loans, VA Loans, FHA Loans, Jumbo Loans, First-Time Home Buyer Loans, Bank Statement Loans, Profit and Loss Loans, Construction Loans, Fix and Flip Loans, and HELOCs. Each program is tailored to help homebuyers, investors, and self-employed borrowers achieve their goals with ease and confidence.

Choosing the right loan depends on your financial situation, credit profile, and homeownership goals. At Gerano White with NEXA Mortgage, we take the time to understand your needs and provide personalized guidance to help you find the best fit. Whether you’re a first-time buyer, a veteran, or an investor, we’ll walk you through every option and make the process simple and transparent.

Typically, you’ll need proof of income, identification, credit information, and details about your assets and debts. However, Gerano White with NEXA Mortgage also offers alternative documentation programs like Bank Statement and Profit and Loss loans for self-employed borrowers. Our team will guide you step by step and ensure you only provide what’s necessary for your chosen loan type.

The approval timeline depends on the type of loan and your documentation, but most borrowers receive approval within a few days to a couple of weeks. With Gerano White with NEXA Mortgage, we prioritize efficiency and communication — ensuring that your application moves quickly and smoothly from start to finish.

When you work with Gerano White with NEXA Mortgage, you’re not just getting a lender — you’re gaining a dedicated mortgage partner. We combine industry expertise, flexible loan options, and personalized service to help you make confident financial decisions. Our commitment to transparency, speed, and exceptional customer care sets us apart and ensures you receive the best possible experience.

Why Choose Gerano White with NEXA Mortgage for P&L Loans

Working with Gerano White with NEXA Mortgage means you’re choosing a partner who understands the challenges and rewards of entrepreneurship. We go beyond traditional underwriting to create financing opportunities that support your financial goals and business success. Our mission is to make mortgage lending more accessible, transparent, and aligned with your real income. We take pride in offering solutions that respect your hard work and help you move closer to your dream of homeownership or investment growth.