Turn Your Assets Into a Pathway to Homeownership

Asset Utilization Loans help borrowers qualify based on their liquid assets rather than traditional income documentation. This program is ideal for retirees, investors, or high-net-worth individuals who have strong assets but reduced monthly income. With Chuck Biggs with Epiq Lending, you gain access to a flexible solution that converts your financial strength into mortgage eligibility with confidence.
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A Smarter Way to Qualify Without Traditional Income

Asset Utilization Loans allow lenders to use your savings, investments, or retirement funds to calculate qualifying income. This creates a smoother path for borrowers who don’t rely on monthly salaries. Chuck Biggs with Epiq Lending walks you through how your assets are evaluated and helps you take advantage of guidelines designed to support your financial lifestyle.
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How Asset Utilization Loans Work

Instead of reviewing pay stubs or tax returns, lenders divide your verified liquid assets over a set period to determine your qualifying income. This makes the process ideal for retirees, entrepreneurs, or anyone with significant cash reserves or investment portfolios. With help from Chuck Biggs with Epiq Lending, you ensure your assets are calculated accurately for the best outcome.
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Benefits of Asset Utilization Loans

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Qualify using liquid assets instead of income

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Ideal for retirees or high-asset borrowers

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No traditional income documentation

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Flexible and simplified approval process
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Who Should Consider Asset Utilization Loans

This program is perfect for borrowers with strong assets but nontraditional income sources, such as retirees, investors, or self-employed individuals. If your financial stability comes from savings or investments, this loan offers a realistic qualification path. Chuck Biggs with Epiq Lending evaluates your asset strength to help you secure the right loan structure.
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Why Choose Chuck Biggs for Your Mortgage Needs

Chuck Biggs with Epiq Lending delivers reliable, client-focused mortgage solutions tailored to your financial goals. Whether you’re buying a home, refinancing, or investing, Chuck provides personalized guidance, clear communication, and a streamlined process from start to finish. With a focus on competitive options, transparency, and long-term value, you can move forward with confidence knowing your financing supports both your immediate needs and future plans.

We are known for

Personalized Loan Solutions – Every client is unique, and so are our mortgage solutions. We tailor every loan to fit your goals and financial situation.

Fast and Efficient Closings – Our streamlined approach ensures quick approvals and smooth closings, helping you move forward with confidence.

Competitive Rates & Flexible Programs – From DSCR and VA Loans to FHA, Conventional etc, we provide options that match your needs and budget.

Exceptional Client Experience – We go beyond transactions to build lasting relationships, offering guidance, education, and support even after your loan closes.

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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"

Getting started is simple. Reach out to Chuck Biggs with Epiq Lending to discuss your goals, financial situation, and timelines. He will guide you through the pre-qualification process and help you understand your options.

 

Chuck will provide a clear list of necessary documents, usually including proof of income, tax returns, bank statements, and identification. This ensures your application process is smooth and efficient.

 

The timeline varies depending on your situation, but Chuck focuses on keeping the process transparent and on schedule. He will provide updates at each step to make sure you know what to expect.

 

Absolutely. Chuck specializes in helping first-time buyers understand the process, choose the right financing, and make informed decisions. He provides education and support throughout the entire journey.

 

Chuck takes a personalized approach, reviewing your financial goals, budget, and long-term plans. He provides clear explanations and professional advice so you can confidently select the solution that fits your needs.

Start Your Asset-Based Loan Journey with Chuck Biggs

Chuck Biggs with Epiq Lending is committed to helping borrowers qualify through the financial foundation they’ve built. With personalized guidance and a clear process, Chuck ensures your assets work in your favor from application to approval. Take the next step toward homeownership with confidence today.