Bill Rapp - Commercial & Residential Mortgage BrokerOffice Market in West Houston: A Lender’s Perspective The West Houston office market—spanning Katy, Energy Corridor, Memorial, and Westchase—is no longer driven by broad-based demand. From a lender’s perspective, office lending in 2025 is highly selective, data-driven, and sponsor-focused.
Bill Rapp - Commercial & Residential Mortgage Broker💸 Cash Rules Everything Around Me: How Liquidity Wins Over Credit in Mortgage Lending 💰 ________________________________________ In mortgage lending, liquidity—your access to cash—remains the most powerful financial tool in your arsenal. While credit can open doors, cash gives you leverage, stability, and control in a market where speed and flexibility often determine success.
Bill Rapp - Commercial & Residential Mortgage BrokerWhen it comes to securing a mortgage or commercial loan, your Personal Financial Statement (PFS) is your financial résumé — and lenders analyze it carefully to determine your credibility and capacity to repay debt. Whether you’re applying for a residential mortgage, a DSCR investment loan, or a commercial real estate loan, knowing what lenders want in your PFS can make or break your approval odds.
Bill Rapp - Commercial & Residential Mortgage BrokerConventional Loans – Flexibility, Speed, and Simplicity Sometimes the simplest option is also the smartest — let’s talk conventional loans. When you think of home financing, conventional loans are the tried-and-true backbone of the U.S. mortgage industry. These loans are not backed by the government (unlike FHA, VA, or USDA loans), which gives lenders more flexibility in underwriting and gives borrowers more freedom in how they purchase.