Simplified Home Financing with Bank Statement Loans

Gerano White with NEXA Mortgage, we understand that not everyone’s income fits neatly into traditional guidelines. That’s why our Bank Statement Loans are designed for self-employed professionals, entrepreneurs, and small business owners who want to qualify using their actual bank deposits rather than tax returns.
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Ideal Solution for Self-Employed Borrowers

Many hardworking individuals earn great income but find it difficult to prove it through conventional documentation. A Bank Statement Loan allows you to showcase your financial strength through 12 to 24 months of personal or business bank statements instead of W-2s or pay stubs. With Gerano White with NEXA Mortgage, you’ll have a trusted lending partner who understands the unique challenges of self-employed borrowers. We evaluate your income fairly and design a solution that reflects your true earning potential.
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Flexible Qualification Process

Traditional loan programs often require strict documentation that can be limiting for business owners. Bank Statement Loans break that barrier, offering flexibility in how income is verified and approved. This means you can qualify based on your deposits, not taxable income. Our team with Gerano White with NEXA Mortgage carefully reviews your financial profile to create a customized plan that fits your needs. We streamline the process, ensuring quick approvals, minimal paperwork, and a smooth path to homeownership or investment success.
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Benefits of Bank Statement Loans with Gerano White with NEXA Mortgage

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No Tax Returns Needed: Qualify using 12–24 months of personal or business bank statements.

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Perfect for Self-Employed Borrowers: Ideal for freelancers, contractors, and entrepreneurs.

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Flexible Loan Terms: Choose from a range of repayment options and rate structures.

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Realistic Qualification: Get approved based on actual income deposits, not adjusted gross income.
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Competitive Terms and Tailored Options

Even without conventional income documentation, Gerano White with NEXA Mortgage offers competitive rates and terms for Bank Statement Loans. You can choose from fixed or adjustable-rate options, various down payment choices, and flexible repayment terms that align with your goals. Our focus is on giving you financial freedom and flexibility while ensuring your loan works for you — not against you. Whether you’re purchasing a new home or refinancing an existing property, we’ll help you find the most advantageous structure possible.
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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 Bank Statement Loans

Working with Gerano White with NEXA Mortgage means you’re partnering with a lender who truly understands the self-employed borrower. We take pride in helping clients who are often overlooked by traditional lenders get access to the financing they deserve. From the first consultation to closing day, our goal is to deliver transparency, efficiency, and a stress-free lending experience. We believe your hard work should open doors — not create obstacles — and we’re here to make that happen.