Bill Rapp - Commercial & Residential Mortgage Broker🏦 What Happens If the Fed Cuts Rates Too Soon? A Mortgage Expert’s Breakdown As the market waits for the Federal Reserve’s next move, homebuyers and investors are already asking the big question: “What happens if the Fed cuts rates too early?”
Bill Rapp - Commercial & Residential Mortgage Broker💸 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 & Residential Mortgage BrokerWhen it comes to securing a mortgage or commercial loan, your Personal Financial Statement (PFS) is your financial résumé — and lenders analyze it carefully to determine your credibility and capacity to repay debt. Whether you’re applying for a residential mortgage, a DSCR investment loan, or a commercial real estate loan, knowing what lenders want in your PFS can make or break your approval odds.
Bill Rapp - Commercial & Residential Mortgage BrokerMortgage Brokerage 2025: How to Win When Rates Are High & Clients Are Cautious The 2025 mortgage market demands more than rate-shopping — it demands leadership. While the Associated Press reports that the 30-year fixed mortgage rate has dipped to around 6.27%, it remains high enough to make many clients hesitate. Refinance demand is sluggish, and purchase activity depends heavily on confidence and education.