Conventional Loans: Flexible Financing for Every Homebuyer

Conventional Loans are one of the most widely used mortgage options, offering borrowers flexibility, competitive interest rates, and multiple term choices. Unlike government-backed loans, conventional financing does not require federal insurance, providing more control over your loan structure and repayment plan.
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Competitive Interest Rates

Conventional Loans often offer some of the lowest available interest rates in the market, making them a cost-effective option for borrowers who qualify. Lower rates can translate into significant savings over the life of the loan, reducing both monthly payments and total interest costs. Adam Gjerulff  at GoRascal we leverage relationships with multiple lenders to ensure you receive a competitive rate based on your credit profile and financial situation. We also explain how interest rates impact your monthly payments and long-term affordability, helping you choose the best option for your budget.
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Flexible Down Payment Options

Conventional Loans allow for a range of down payment options, from as low as 3% for eligible first-time buyers to higher amounts for borrowers seeking greater equity upfront. This flexibility enables you to purchase a home sooner while preserving cash for other priorities. Our team helps you determine the down payment strategy that balances upfront costs, monthly payments, and long-term financial goals. We ensure that your approach positions you for success today and provides flexibility for the future.
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Benefits of Conventional Loans

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Competitive interest rates that reduce monthly payments and total interest costs

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Flexible down payment options to accommodate various financial situations

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Streamlined approval process for qualified borrowers, making closing faster and easier

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Versatile use for primary residences, refinances, and investment properties
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Streamlined Qualification Process

Qualified borrowers can benefit from a straightforward approval process with Conventional Loans. Strong credit, steady income, and a healthy debt-to-income ratio can simplify underwriting and reduce the time to closing. Adam Gjerulff  at GoRascal guides you through documentation, verification, and lender communication, making the process efficient and stress-free. We focus on proactive communication and preparation, so you understand every step and can move forward confidently.
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Why Choose GoRascal

At GoRascal, led by Adam Gjerulff, we are committed to helping clients in Virginia, Maryland, and Florida achieve their homeownership and investment goals with confidence. Our team provides personalized mortgage solutions, expert guidance, and a transparent loan process tailored to each client’s unique financial situation. Whether you are a first-time homebuyer, seasoned investor, or looking to leverage your home equity, GoRascal ensures you have the right loan program, competitive rates, and ongoing support from application to closing.

We are known for

Personalized Solutions: Tailored loan programs that fit your specific needs and goals

Expert Guidance: Experienced team providing clear, actionable advice at every step

Fast and Efficient Process: Streamlined approvals and funding to save time and reduce stress

Trusted Partner: Commitment to transparency, integrity, and long-term client relationships

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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"

GoRascal, led by Adam Gjerulff, provides a wide range of loan programs including Conventional Loans, VA Loans, FHA Loans, Non-QM Loans, Bridge Loans, Buy Before You Sell Programs, Jumbo Loans, Investment Property Loans, HELOCs, Fix & Flip Loans, Construction Loans, DSCR Loans, and Reverse Mortgages. We serve clients in Virginia, Maryland, and Florida, providing personalized guidance to help you find the right financing solution for your needs.

Choosing the right loan depends on your financial situation, goals, and the type of property you are financing. Our team at GoRascal evaluates your income, credit, property type, and long-term objectives to recommend the most suitable loan program. We guide you through every step to ensure you make an informed decision.

Yes. We offer pre-approval for most of our loan programs, which helps you understand your budget, strengthens your offer when buying a home, and speeds up the financing process. Pre-approval involves a review of your financial documents and credit profile to determine the amount you can borrow.

GoRascal is licensed and serves clients in Virginia (VA), Maryland (MD), and Florida (FL). Our team provides personalized loan solutions across these states, whether you are purchasing a home, refinancing, or investing in property.

The timeline varies depending on the loan program and property type. Conventional and FHA loans may take a few weeks, while specialized loans like Fix & Flip, Construction, or DSCR Loans can take longer due to documentation and underwriting requirements. At GoRascal, we streamline the process, keep you informed at every step, and work efficiently to close your loan as quickly as possible.

Ideal for Primary Residences, Refinances, and Investment Properties

Conventional Loans are versatile and can be used for primary homes, second homes, or investment properties. They provide flexibility in loan amounts, repayment terms, and property types, making them suitable for a wide range of financial goals. We help clients evaluate which loan structure and terms best fit their needs, ensuring the financing supports cash flow, equity building, and long-term financial stability. With Adam Gjerulff  at GoRascal your Conventional Loan becomes a tool for both immediate homeownership and future wealth-building.