A Smarter Path to Homeownership with Bank Statement Loans

Bank Statement Loans are designed for self-employed borrowers, entrepreneurs, and gig-income earners who don’t qualify through traditional tax-return methods. Instead of W-2s or pay stubs, lenders use 12–24 months of your bank statements to calculate real income and cash flow. With guidance from Chuck Biggs with Epiq Lending, this program gives you a flexible, realistic pathway to secure the home financing you deserve.
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Why Bank Statement Loans Work for Self-Employed Borrowers

Traditional loan requirements often make qualifying difficult for those with write-offs or fluctuating income. Bank Statement Loans solve this by relying on deposits and actual earning patterns rather than taxable income. Chuck Biggs with Epiq Lending helps interpret your statements and streamline the documentation so you can qualify confidently and smoothly.
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How Bank Statement Loans Operate

Lenders evaluate your monthly deposits across personal or business accounts to determine your qualifying income, eliminating the need for tax returns or extensive paperwork. This makes the process ideal for freelancers, contractors, business owners, and anyone with non-traditional income. With the support of Chuck Biggs with Epiq Lending, every step—from statement review to approval—becomes much simpler.
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Benefits of Bank Statement Loans

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No tax returns required

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Ideal for self-employed borrowers

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Uses real deposit history for income

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Supports fluctuating income patterns
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Who Bank Statement Loans Are Best For

If your business is profitable but your tax returns don’t reflect your true income, this loan program is a strong fit. Bank Statement Loans are perfect for borrowers who rely on cash flow, project-based income, or seasonal work. Chuck Biggs with Epiq Lending reviews your statements carefully to help you qualify with clarity and confidence.
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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 Application with Chuck Biggs

When you choose Chuck Biggs with Epiq Lending, you get a lending partner who understands how self-employed income works. Bank Statement Loans offer an accessible, flexible way to secure financing based on your actual financial strength—not your deductions. Take the first step today and move closer to your next home with a program built for you.