🏦 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

🏠 How Much House Can You Really Afford in 2026? A Smart Mortgage Guide 💰

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 16/02/2026

How Much House Should You Really Buy? The short answer: Less than the bank says you can. As a mortgage broker at Medallion Funds, I see this mistake all the time. Buyers focus on the maximum approval amount instead of the optimal purchase price for their life, goals, and long-term financial strategy.

Bill Rapp, Commercial Mortgage Broker

💧 Liquidity Is King: Why Cash Still Beats Credit in 2025 🏦

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 10/11/2025

💸 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 Mortgage Broker