Ideal Financing for Self-Employed Borrowers

Bank Statement Loans are designed for self-employed individuals, business owners, and freelancers who may not have traditional income documentation such as W-2s or tax returns. With Shaun Utterson Mortgage Services, I help borrowers leverage their bank statements to demonstrate income and qualify for financing. This program provides a flexible pathway to homeownership for those whose earnings are primarily from business accounts or variable income streams.
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Qualification Based on Bank Statements

Unlike conventional loans, Bank Statement Loans use 12-24 months of personal or business bank statements to verify income. This allows borrowers to qualify based on actual cash flow rather than standard employment verification. I guide you through the process of gathering and organizing your statements, ensuring that your application accurately reflects your financial position for a smooth approval process.
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Flexible Terms to Match Your Financial Situation

Bank Statement Loans offer flexibility in terms of loan amounts, interest rates, and repayment schedules. Whether you are purchasing a primary residence, refinancing, or investing in property, I help you structure the loan to align with your financial objectives. This flexibility ensures that your mortgage works for you, accommodating the unique characteristics of self-employed or variable-income borrowers.
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Benefits of Bank Statement Loans

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Designed for Self-Employed Borrowers: Qualify without traditional W-2s or tax returns.

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Income Verified via Bank Statements: Reflects real cash flow for more accurate qualification.

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Flexible Terms: Customizable loan amounts, rates, and repayment schedules.

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Supports Investment and Growth: Ideal for purchasing or investing in real estate.
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Streamlined Process for Self-Employed Borrowers

I simplify the Bank Statement Loan process, reducing the complexity often associated with self-employment income verification. From document preparation to lender communication and closing, I provide clear guidance at every step. My goal is to make the process efficient, stress-free, and tailored to your specific financial situation, allowing you to focus on achieving your homeownership goals.
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Why Choose Shaun Utterson Mortgage Services

With Shaun Utterson Mortgage Services, you gain a dedicated partner committed to guiding you through every step of the home financing process. I combine deep industry knowledge with personalized service, ensuring that each loan solution aligns with your unique goals and financial situation. Whether you are purchasing your first home, refinancing, or investing in property, I provide clear communication, expert advice, and a seamless experience from start to finish. My focus is on building trust, delivering competitive solutions, and empowering borrowers to make confident decisions.

We are known for

Personalized Guidance: Tailored mortgage solutions designed to meet each borrower’s unique needs.

Transparent Communication: Clear, step-by-step guidance throughout the entire mortgage process.

Fast and Reliable Service: Efficient loan processing and responsive support to keep your timeline on track.

Trusted Relationships: Building long-term connections with clients through professionalism and integrity.

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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"

With Shaun Utterson Mortgage Services, I provide a wide range of loan programs, including VA, FHA, Conventional, USDA, DSCR, Jumbo, Bank Statement, Bridge Loans, HELOCs, and Down Payment Assistance, catering to first-time buyers, seasoned homeowners, and real estate investors.

I guide every borrower through a personalized consultation to evaluate your financial situation, goals, and eligibility, helping you choose the mortgage option that best fits your needs and long-term plans.

Yes. Programs like Bank Statement Loans and DSCR Loans are specifically designed to accommodate self-employed individuals and investors, allowing qualification based on bank statements or rental income rather than traditional W-2 documentation.

 

The timeline varies depending on the loan program and your documentation, but I strive to make the process as smooth and efficient as possible, keeping you informed at every step from pre-approval to closing.

Getting started is easy. Contact me at my Cherry Hill office, and I will schedule a consultation to review your goals, assess your eligibility, and guide you through the mortgage process with clear, personalized advice.

Maximize Financing Opportunities for Growth

Bank Statement Loans are an excellent tool for buyers who want to invest in real estate or secure a home without relying on traditional income verification. I provide personalized insights to help you leverage your bank statements effectively, maximize loan potential, and position yourself for both personal and investment growth. Every strategy is designed to enhance your financial flexibility and long-term success.