Bill Rapp - Commercial & Residential Mortgage BrokerThe #1 Reason Good Borrowers Get Denied (And How to Fix It Before Applying) Every week, well-qualified borrowers get denied for mortgages they should have been approved for. Good credit. Solid income. Plenty of assets.
Bill Rapp - Commercial & Residential Mortgage Brokerš House Hacking with Creative Financing: The Smart Investorās Starter Strategy House hacking has become one of the most powerful wealth-building tools for first-time buyers and investors ā and when paired with creative financing, itās a game changer. Imagine living in your property while your tenants pay your mortgage. Thatās the essence of house hacking ā and in 2025, flexible loan programs and innovative financing strategies make it easier than ever.
Bill Rapp - Commercial & Residential Mortgage Brokerš” Low Doc Loans: Mortgage Options Without Tax Returns When it comes to securing a mortgage, most lenders require stacks of paperworkātax returns, W-2s, pay stubs, and more. But what if youāre self-employed, own multiple businesses, or have income that doesnāt fit neatly into traditional documentation? Thatās where Low Doc Loans come in.
Bill Rapp - Commercial & Residential Mortgage Brokerš What is a Non-QM Loan and Why High Earners Should Consider It When it comes to mortgage financing, not all borrowers fit into the traditional lending box. High-income earnersāsuch as doctors, business owners, investors, and self-employed professionalsāoften find themselves penalized by conventional guidelines. Thatās where Non-QM (Non-Qualified Mortgage) loans step in.