Non-QM Loans: Flexible Solutions for Non-Traditional Borrowers

Non-QM (Non-Qualified Mortgage) Loans are designed for borrowers who do not fit the conventional mortgage requirements, such as self-employed individuals, real estate investors, or those with complex income structures. Unlike traditional loans, Non-QM financing allows for alternative documentation methods, including bank statements, asset depletion, or profit-and-loss statements, enabling more people to achieve homeownership or expand their real estate investments
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Customized Qualification Criteria

Non-QM Loans allow lenders to consider a broader range of income documentation than traditional mortgages. Borrowers may qualify using alternative proofs of income such as bank deposits, assets, or 1099 forms, which is ideal for self-employed individuals or business owners. Adam Gjerulff  at GoRascal carefully evaluates your financial profile and guides you through the alternative qualification process. We ensure that all documentation is organized, accurate, and presented effectively to maximize your chances of approval while matching the loan to your financial situation.
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Flexible Loan Terms

Non-QM Loans offer a wide variety of terms, including adjustable-rate and fixed-rate options, and can accommodate higher loan amounts or unique property types. This flexibility allows borrowers to select structures that balance monthly payments, total interest, and investment returns. Our team works with you to design a loan term and repayment strategy that aligns with both short-term cash flow needs and long-term financial objectives. We help you understand how different options affect your affordability, equity growth, and overall financial plan.
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Benefits of Non-QM Loans

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Flexible qualification for non-traditional income sources

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Customizable loan terms tailored to your financial goals

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Access to financing when conventional loans are unavailable

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Expert guidance through complex documentation and approval processes
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Access to Financing Beyond Conventional Limits

Non-QM Loans provide an opportunity for borrowers who may be denied conventional financing due to high income, unconventional employment, or past credit challenges. This expands access to homeownership and investment opportunities that would otherwise be unavailable. Adam Gjerulff  at GoRascal ensures that clients fully understand the options available to them, including how Non-QM Loans can support real estate investment, refinancing, or property acquisition without compromising financial stability or long-term goals.
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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.

Streamlined Support and Guidance

While Non-QM Loans are more flexible than conventional loans, they can involve more complex documentation and underwriting. At Adam Gjerulff  with GoRascal we provide hands-on guidance throughout the entire process. Our team manages lender communication, application preparation, and approval tracking, ensuring a smooth and transparent experience. We focus on clarity, efficiency, and strategic planning, so you can confidently secure financing that fits your unique situation.