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

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

🔥 The 5 Biggest Underwriting Mistakes Borrowers Make — And How to Avoid Them in 2026Bill 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
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📈How Houston Investors Are Winning With DSCR Loans🏘️

📈How Houston Investors Are Winning With DSCR Loans🏘️

📈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
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💳 Refinancing to Consolidate Debt: Pros & Pitfalls Explained

💳 Refinancing to Consolidate Debt: Pros & Pitfalls Explained

💳 Refinancing to Consolidate Debt: Pros & Pitfalls ExplainedBill 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
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🏦 What Is an Interest Reserve Account? Everything Borrowers Should Know 💡

🏦 What Is an Interest Reserve Account? Everything Borrowers Should Know 💡

🏦 What Is an Interest Reserve Account? Everything Borrowers Should Know 💡Bill Rapp - Commercial & Residential Mortgage Broker
Published on: 16/10/2025

What Is an Interest Reserve Account? An interest reserve account is a financial tool used primarily in construction and bridge loans to cover interest payments during the loan period. Instead of making monthly payments out of pocket, the borrower’s interest payments are pre-funded and drawn automatically from this reserve account.

Bill Rapp, Commercial Mortgage Broker
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