🏦 Bank Loans vs. Non-QM vs. DSCR vs. SBA — Which Mortgage Loan Is Right for You? 📊

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 25/02/2026

Bank Loans vs. Non-QM vs. DSCR vs. SBA — Which One Fits Your Situation? Most borrowers don’t have a loan problem. They have a fit problem. As a mortgage broker in Katy, Houston, and across Texas, I don’t push products. I structure solutions. The key is matching the right borrower profile with the right underwriting model.

Bill Rapp, Commercial Mortgage Broker

🔥 The 5 Biggest Underwriting Mistakes Borrowers Make — And How to Avoid Them in 2026

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 03/12/2025

⚡ The 5 Biggest Mistakes Borrowers Make During Underwriting (And How to Avoid Them) When you apply for a mortgage, underwriting is the final gatekeeper between you and the closing table. And here’s the truth: Most loans don’t get denied because of bad credit or low income — ❌ they get denied because borrowers make avoidable mistakes during underwriting.

Bill Rapp, Commercial Mortgage Broker

📈How Houston Investors Are Winning With DSCR Loans🏘️

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 25/11/2025

📈 How Houston Investors Are Winning With DSCR Loans Houston’s investment market is booming — and savvy buyers aren’t using traditional mortgages to scale their portfolios. They’re using DSCR loans, one of the most powerful and flexible tools available to real estate investors today.

Bill Rapp, Commercial Mortgage Broker

💳 Refinancing to Consolidate Debt: Pros & Pitfalls Explained

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 06/11/2025

🏠 What Is Debt Consolidation Through Refinancing? Debt consolidation through refinancing means taking out a new mortgage — typically at a lower rate — to pay off other high-interest debts such as credit cards, car loans, or personal loans. The goal is to reduce your total monthly payment and streamline debt management under one roof.

Bill Rapp, Commercial Mortgage Broker