Get Pre-Approved

Pre-approval gives you the edge over buyers who are just pre-qualified. The application takes less than 15 minutes. A team member will pre-approve your loan within one hour. Your loan application will be pre-underwritten. Sellers choose buyers whose income, assets and credit have already been approved by underwriting. 

Start Shopping - Submit an Offer to the Sellers

Loan officers are available 7 days a week, ready to provide you and your real estate agent with a custom pre-approval letter tailored for each address. The loan officer will also call the listing agent to boost your buying credentials and offer a 14 day close to help your sellers pack with confidence! We win the bid, and were under contract!

Pack with Confidence

Close and move in 14 days or less. Within 24 hours of going under contract your loan will be approved pending the appraisal and title commitment.  Our average close time for purchases is 9 days. 

 While other lenders may take 4 to 6 weeks to close your loan, we move fast, to make the buying and moving process fun and exciting!

Rapid CTC Loan Programs to boost your buying power...

Conventional and FHA 

DON’T HAVE MONEY FOR A DOWN PAYMENT? YOU CAN STILL GET A HOME.

  • 100% gift options available
  • 3% to 3.5% Down Payment
  • Save your cash
  • Program option available with no monthly mortgage insurance
  • Min FICO credit score of 580

LET ME SHOW YOU YOUR MORTGAGE OPTIONS. CALL TODAY.

Self Employed -No Tax Return Option

PUT BANK STATEMENT LOANS TO WORK FOR YOU.

If you’re self-employed, gathering income documents or tax transcripts for a mortgage application can be a real hassle. That’s why we offer Bank Statement Loans – where you can simply provide bank statements to qualify for loans up to $3M.

  • Loans up to $3M

  • Min FICO credit score of 640

  • Up to 50% DTI

  • No mortgage insurance required

  • Available on primary and secondary homes, investment purchases and refinances

SPEND LESS TIME CHASING DOWN PAPERWORK. CALL US TODAY!

Investment Purchases

THE TIME TO EXPAND YOUR PORTFOLIO IS NOW!

We have a quick and easy way to purchase more investment properties. Our Debt-Service Coverage Ratio (DSCR) loan allows you to qualify for investment properties based on the prospective monthly rental income.

  • Finance up to 20 properties

  • Loan amounts up to $2M

  • Eligible for short-term and long-term rentals

This is a perfect opportunity to broaden your horizons.

GIVE US A CALL, AND LET’S TALK ABOUT THE POSSIBILITIES

Jumbo Home Loans 

The perfect home is different for everyone — and the perfect mortgage should be, too. As independent mortgage brokers, we’re able to offer:

  • A wider variety of jumbo loan products than most banks and retail lenders

  • Custom-made loans to match your situation

  • Competitive rates on loans up to $3M

  • A fast, worry-free process

  • 3%, 5%, 10% & 15%  Down Options
  • 80/10/10 Options

Let us show you the broker difference. Give us an opportunity to EARN your business. CALL TODAY!

Conventional

MAKE YOUR NEXT MORTGAGE FAST AND WORRY-FREE

Looking for a fast and worry-free home purchase or refinance? Go conventional and go with us!

  • Competitive rates

  • Down payment options as low as 3%

  • Fast closings — most in less than 14 days

  • Options include primary or second homes, investment properties, cash-out refinances and more

  • Credit score starting at 620

  • First-time homebuyer programs available

  • Borrower assistance programs available to help with down payment and closing costs

LET US SHOW YOU HOW EASY A MORTGAGE CAN BE. CALL TODAY!

FHA

FHA LOANS ARE GREAT FOR BUYERS WITH LOWER DOWN PAYMENTS AND ARE SOMETIMES EASIER TO QUALIFY FOR THAN A CONVENTIONAL LOAN

  • Credit scores starting at 580

  • Great low rates

  • Close in as little as 14 days

  • Sellers may contribute up to 6% toward your closing fees

  • Gift Funds allowed

CALL TODAY TO GET PRE-APPROVED!

Doctor Loans

If you’re currently in, or have recently completed, a medical residency or fellowship, our doctors’ loans allow you to exclude student loans when calculating your debt-to-income ratio, along with:

  • Ability to eliminate the need for monthly private mortgage insurance payments

  • 720+ credit score

  • Deferment must continue for at least 12 months from the loan closing date

  • Up to 97% LTV

  • LPMI available to eliminate the need for monthly PMI payments

Call today to learn more!

ARMs

TODAY'S ADJUSTABLE-RATE MORTGAGES ARE A LOT DIFFERENT THAN THEY WERE IN THE PAST

And they may be the best choice for your purchase or refinance:

ARMs are smarter

  • Most people only stay in their mortgage for 5 to 7 years. Why not go for the lower rate?

  • With an ARM, more of your payment goes toward the principal, so you pay down your mortgage faster

ARMs are often safer

  • ARMs no longer feature pre-payment penalties, so you can easily refinance

ARMs can save you money

  • A lower rate means a lower payment, which means more cash in your pocket each month

LETS TALK ABOUT YOUR ARM OPTIONS. CALL TODAY.

Condo Loans

WE OFFER A VARIETY OF CONDO LOANS TO FIT YOUR NEEDS

Condominiums offer a lot of convenience and flexibility. They also have different mortgage requirements than traditional homes.

  • Great low rates

  • Easy, relaxed guidelines

  • Options for condos in litigation

  • Fast closings, often in less than 14 days

  • Low down payment options

  • Buyers who put 25% down may be eligible for streamlined approval, eliminating the need for a full condo review. 

 

LET US HELP YOU FIND THE CONDO LOAN THAT'S BEST FOR YOU. CALL TODAY!

Manufactured Homes

IF YOU THINK A MANUFACTURED HOME MIGHT BE RIGHT FOR YOU, YOU CAN GET THE SAME INDUSTRY-LEADING TECHNOLOGY AND SERVICE AS WITH OTHER LOANS, PLUS REGULAR AND ELITE RATES FOR CONVENTIONAL AND GOVERNMENT PURCHASES AND REFINANCES

Manufactured home loans are available on multi- and single-wide, condos and PUDs for:

  • Conventional loans with 620+ credit score with 3% down payment

  • FHA loans with 580+ credit score with 3.5% down down payment

  • VA loans with 580+ credit score with $0 down payment

  • Fast Closings in 14 days or less

GIVE ME A CALL, AND LET’S DISCUSS YOUR OPTIONS.

VA Loans

WE JUST MADE HOUSING MORE AFFORDABLE

We can offer some of the lowest rates on all home loans — conventional, FHA, VA, Jumbo and USDA. So when you need a mortgage, talk to us first. We offer advantages banks and retail lenders can’t touch, including:

  • Unbeatable rates  

  • Fast closings, 20 days or less

  • Transparent process

 

CONTACT US TODAY.

Why choose Rapid CTC Mortgages? If the name doesn't say it all...

 

Underwriting in 15 Minutes

IT’S EASY WHEN YOU HAVE AN INITIAL APPROVAL

Want to feel good about making a strong offer on your dream home? Get an initial approval for your loan almost instantly when you work with independent mortgage professionals like us. Our cutting-edge process lets us do what big banks and retail lenders can’t and give you an initial loan approval in as little as 15 minutes — even on the weekends!

 

You’ll also enjoy greater transparency so you can gather any paperwork you need ahead of time and make sure your loan goes through as smoothly as possible.

CALL US TODAY AND LET’S DISCUSS YOUR OPTIONS!

Appraisal Waivers

WANT TO SAVE MONEY AND TIME ON YOUR HOME PURCHASE?

You may be eligible for an appraisal waiver, allowing you to:

  • Save hundreds of dollars on the appraisal fee

  • Close faster, usually in 10 days or less

  • Eliminate the worry of a low appraised value

  • Need an Appraisal after all? No Worries - Every dollar of the appraisal fee goes directly to the appraiser - which means we receive the appraisal back in 10 days guaranteed or it is free. Conventional, FHA and Jumbo

FIND OUT IF YOU QUALIFY FOR AN APPRAISAL WAIVER. CALL TODAY.

Instant Funding

BUYING A NEW HOME IS EXCITING. YOU WANT TO MAKE THE OFFER, CLOSE ON THE LOAN AND MOVE IN!

That’s why we offer instant funding at the closing table. No hang-ups. No delays. Just sign the closing documents and get the keys to your new home! It’s stress-free from start to finish.

  • Faster, easier and cheaper mortgage experience

  • No waiting for hours on closing day

  • Sign the docs and go

  • Instant funding available for all loans

Because we don’t require a funding authorization number, the process is smooth and seamless for all.

 

We know that the strongest companies are the fully aligned ones.

Rapid CTC was founded with a vision to become a different kind of mortgage company - one with a higher purpose of creating financial possibility. Our purpose and values drive everything.

Our core value is to provide quick information and efficient loan closings in 14 days or less. Mortgages are not stressful when they go by fast. While the other guys may take weeks to even months to cross the finish line, we believe our borrower's deserve better.

We work quickly and efficiently to best serve you while doing business the old-fashioned way with courtesy and respect. 

Borrower Local. Borrower with Pride.