Bill Rapp - Commercial & Residential Mortgage BrokerAdjustable Rate Mortgages — Good or Bad? For many homebuyers and real estate investors, the words “Adjustable Rate Mortgage” (ARM) trigger mixed reactions. Some people see ARMs as a risky loan product tied to rising payments, while others see them as a strategic tool to reduce borrowing costs.
Bill Rapp - Commercial & Residential Mortgage BrokerHow to Structure a Deal for Easier Approval Getting approved for a mortgage isn’t just about your credit score. It’s about how the deal is structured.
Bill Rapp - Commercial & Residential Mortgage BrokerWhy Pre-Approvals Fall Apart A mortgage pre-approval is not a guarantee. It’s a conditional financial snapshot — and if that snapshot changes, the loan can fall apart fast. As a mortgage broker at Medallion Funds, I’ve seen strong buyers lose homes days before closing because something changed between pre-approval and underwriting.
Bill Rapp - Commercial & Residential Mortgage BrokerCash Home Purchases Drop to Lowest Level Since the Pandemic — What It Means for Texas All-cash home purchases declined nationally in December 2025, reaching the lowest level since early 2020. According to recent data, the share of buyers paying entirely in cash fell from 30.3% in December 2024 to 29% in December 2025 — well below the late-2023 peak of 35%.