Financing Designed for Self-Employed Borrowers

Traditional income verification can be a challenge for self-employed individuals or business owners, but Bank Statement Loans with Shayn Carlson at Fairway Independent Mortgage provide a solution. These loans use your bank statements instead of tax returns or pay stubs to verify income, offering flexibility for those with variable earnings, side businesses, or complex income streams.
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Simplified Qualification with Real Income Verification

With Shayn Carlson at Fairway Independent Mortgage, Bank Statement Loans allow lenders to assess your true earning power through your bank account history. By reviewing 12-24 months of deposits, Shayn ensures that your income is properly evaluated, giving you a realistic and accurate path to mortgage approval. This approach opens opportunities for self-employed professionals, freelancers, or small business owners who may struggle to fit traditional underwriting standards, while maintaining confidence that your loan is structured responsibly.
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Flexible Options for Homebuyers with Unique Income

Self-employed borrowers often need tailored solutions, and Bank Statement Loans through Shayn Carlson at Fairway Independent Mortgage offer flexible terms to meet a variety of needs. Whether you’re purchasing your first home, upgrading to a larger property, or refinancing an existing mortgage, these loans provide competitive rates, adjustable terms, and personalized guidance. Shayn evaluates your financial situation and helps you select a structure that aligns with your long-term goals, ensuring your mortgage supports both your lifestyle and your business.
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Benefits of Bank Statement Loans with Shayn Carlson at Fairway Independent Mortgage

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Qualify using bank statements instead of traditional tax returns to reflect true income.

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Access flexible terms and competitive rates tailored to self-employed borrowers.

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Simplify the lending process with a mortgage designed for variable or complex income.

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Work with a trusted Idaho expert who provides personalized guidance every step of the way.
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Expert Guidance Throughout the Lending Process

Navigating a mortgage as a self-employed borrower can be complex, but with Shayn Carlson at Fairway Independent Mortgage, you gain a trusted partner who simplifies every step. From reviewing bank statements to coordinating underwriting and documentation, Shayn provides clear explanations, proactive updates, and reliable support. You’ll understand exactly how your income is assessed and how your loan is structured, ensuring confidence and transparency throughout the entire process.
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Why Choose Us

Choosing the right mortgage partner can make all the difference in your homebuying journey. With Shayn Carlson at Fairway Independent Mortgage, you gain more than just a lender — you gain a dedicated advisor committed to your financial success and homeownership goals. We understand that every borrower is unique, and we tailor our solutions to fit your specific needs, whether you’re a first-time homebuyer, a seasoned investor, or a self-employed professional.

We are known for

Personalized Guidance: We provide tailored mortgage solutions with Shayn at Fairway Independent Mortgage to fit your unique financial goals and homeownership needs.

Expertise in Local Markets: Our deep knowledge of the Boise, Eagle, Meridian, Nampa, Star, and the surrounding areas ensures you get solutions suited to your community.

Transparent and Honest Service: We prioritize clarity and integrity with Shayn at Fairway Independent Mortgage, keeping you informed every step of the mortgage process.

Flexible Loan Options: From first-time homebuyer loans to investment and other programs, we offer a wide variety of financing options with Shayn at Fairway Independent Mortgage.

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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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Local Expertise and Personalized Support

Purchasing or refinancing a home as a self-employed individual requires both financial insight and local knowledge. With Shayn Carlson at Fairway Independent Mortgage, you benefit from a lender who understands Idaho’s housing markets — including Boise, Eagle, Meridian, Nampa, Star, and surrounding areas — and the unique needs of self-employed borrowers. Shayn combines this local expertise with personalized attention to help you find the right loan program, secure competitive rates, and successfully navigate the mortgage process from start to finish.