Our rates are low, our application is quick and easy! We can get you clear to close in as little as 10 days!
NMLS ID # NMLS # 228246
William Rapp, based in Houston, TX, US, is currently a Capital Advisor at Medallion Funds, bringing experience from previous roles at eXp Commercial, NEXA Mortgage, Viking Enterprise LLC and Sun Realty - Houston. William Rapp holds a 1997 - 2001 BBA in Finance @ Texas A&M University. With a robust skill set that includes REO, Sellers, SFR, FHA financing, Reverse Mortgages and more, William Rapp contributes valuable insights to the industry.
Great experience purchasing our first home! Bill was easy to reach and always able to answer any questions or concerns.
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š¦ Mortgage Lending in Houston: How Oil Prices & Market Volatility Are Changing the Game š°
š From Wall Street to Wellheads: Financing Trends for Houston Real Estate in Uncertain Times š¢ļø
š¦ Mortgage Lending in Houston: How Oil Prices & Market Volatility Are Changing the Game
Houston borrowersāboth commercial and residentialāare feeling the squeeze as global oil prices swing and the financial markets react. For mortgage brokers and loan originators, understanding this dual pressure is essential to advising clients and structuring deals that can withstand uncertainty.
How Oil Impacts Lending Conditions Oil is more than Houstonās identityāit drives employment, population growth, and local GDP. When oil prices fall, job losses in the energy sector slow home sales and impact commercial tenant credit strength. This, in turn, makes lenders more cautious.
Wall Streetās Role in Lending Risk Tightening liquidity in national and global capital markets has led to more conservative appraisals and stricter underwriting standards. Lenders are increasing DSCR thresholds and lowering LTV ratios, especially for retail and office properties.
How We Help Our Clients Navigate It Our team works with both traditional and non-bank lenders to provide flexible loan solutionsāincluding DSCR loans, SBA, and bridge financing. We know how to position your deal to align with current lender risk models and oil-related volatility.
Whether youāre a doctor buying your first home or an investor refinancing a multi-tenant strip center, we help you access fundingāeven in uncertain times.
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Ā© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory
Buying your first home can be both exciting and nerve-wracking at the same time. With so many things to consider and....
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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy
Copyright ©2021 | Mortgage Viking Team
Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright Ā© 2021 | Medallion Funds
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014
Corporate NMLS NMLS # 1825831 | Company Website: https://medallionfunds.com/bill-rapp/
Copyright ©2021 | Mortgage Viking Team Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014 https://medallionfunds.com/bill-rapp/
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