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Meet Bill Rapp

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.

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Great experience purchasing our first home! Bill was easy to reach and always able to answer any questions or concerns.

27185 Astoria Brook Ln, Katy, TX 77494, USA

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šŸ“Š From Wall Street to Wellheads: Financing Trends for Houston Real Estate in Uncertain Times šŸ›¢ļø

šŸ¦ Mortgage Lending in Houston: How Oil Prices & Market Volatility Are Changing the Game šŸ’°

April 14, 2025•1 min read

šŸ¦ Mortgage Lending in Houston: How Oil Prices & Market Volatility Are Changing the Game šŸ’°

šŸ“Š From Wall Street to Wellheads: Financing Trends for Houston Real Estate in Uncertain Times šŸ›¢ļø


šŸ¦ Mortgage Lending in Houston: How Oil Prices & Market Volatility Are Changing the Game

Houston borrowers—both commercial and residential—are 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 Houston’s identity—it 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 Street’s 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 solutions—including 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 you’re a doctor buying your first home or an investor refinancing a multi-tenant strip center, we help you access funding—even in uncertain times.


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Ā© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory


Houston Mortgage Ratescommercial real estate loans HoustonDSCR Loan Houstonoil impact real estate financingbridge loan texasmarket volatility mortgage options
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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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10 Tips for First-Time Homebuyers

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Refinancing youe loan and when to do it

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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/