💰 Why the Lowest Mortgage Rate Can Be the Most Expensive Loan 📉

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 21/02/2026

Why the Lowest Rate Is Often the Most Expensive Loan Most borrowers are trained to shop one number: the interest rate. But sophisticated borrowers and real estate investors understand something different: The lowest rate on paper can produce the highest total cost over the life of the loan.

Bill Rapp, Commercial Mortgage Broker

💣 Balloon Payment Dangers: How to Refinance Before It’s Too Late ⏰🏠

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 17/02/2026

Balloon Payment Dangers – Refinancing Options and Timing A balloon payment can quietly become one of the most dangerous risks in real estate financing. Whether you’re a homeowner, investor, or business owner, a balloon mortgage requires strategy — not hope.

Bill Rapp, Commercial Mortgage Broker