🧰 Builder Financing vs. Broker Loans: Which Mortgage Option is Best? 🏡

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 01/08/2025

🧰 Builder Financing Programs vs. Broker Options: What Homebuyers Need to Know If you're shopping for a newly constructed home, chances are a builder will offer you a financing incentive—but is it really the best deal? While builder financing programs may seem convenient, they aren’t always the most cost-effective solution. In this blog, we break down the differences between using the builder's preferred lender and working with a mortgage broker to find the best loan.

Bill Rapp, Commercial Mortgage Broker

📉 Should You Refinance Your Mortgage in 2025? When It Makes (and Doesn’t Make) Sense 💡

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 02/06/2025

📉 When Refinancing Saves You Money—and When It Doesn’t Refinancing can feel like a golden ticket—lower monthly payments, better terms, and even cash in hand. But just like any financial move, it comes with pros and cons. So when is refinancing actually a smart money move—and when should you hold off? Let’s break it down.

Bill Rapp, Commercial Mortgage Broker

💸 How to Use Seller Concessions to Lower Closing Costs & Save Big at Closing 🏡

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 27/05/2025

💸 How to Use Seller Concessions to Lower Your Closing Costs When you’re buying a home, every dollar counts—especially at the closing table. From lender fees to title charges, closing costs can quickly add up to thousands of dollars. But what if there was a way to offset those expenses without having to come out of pocket?

Bill Rapp, Commercial Mortgage Broker