🏦 Why Mortgage Pre-Approvals Fall Apart (And How to Protect Your Home Purchase) 🚨

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 24/02/2026

Why 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 Mortgage Broker

🏠 Cash Home Purchases Drop in Texas: What Lower Mortgage Rates Mean for Buyers & Investors 📉

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 20/02/2026

Cash 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%.

Bill Rapp, Commercial Mortgage Broker

📊 Jobs Report & Mortgage Rates: What Today’s Employment Data Means for Homebuyers 🏠

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 19/02/2026

What the Jobs Report Means for Mortgages Every month, the jobs report moves mortgage rates — sometimes within minutes. If you’re buying, refinancing, or investing in real estate, understanding how employment data affects mortgage rates can save (or cost) you thousands.

Bill Rapp, Commercial Mortgage Broker