🏦 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

📍 Buying a Home in Katy TX? 🏠 Top Tips for First-Time Buyers in 2025!

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 23/07/2025

Buying a Home in Katy TX? Here’s What You Need to Know Katy, TX is quickly becoming one of the most desirable places to live in the Greater Houston area. With its award-winning school districts, booming development, and safe, master-planned communities, Katy has something to offer everyone—from first-time homebuyers to growing families and even real estate investors.

Bill Rapp, Commercial Mortgage Broker