ATTENTION: For Those who are serious about Getting Pre-Qualified FAST!
Bill Rapp, Mortgage Originator: NMLS 228246
"Brokers Are Better.
Better Pricing, Better Service!"
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WITH PROVEN STRATEGIES & PROVEN RESULTS
HERE'S WHAT MY CLIENTS SAY:
What People Are Saying:
Excellent Service
Bill is an exceptional loan officer. He helped us to purchase our home with very personal and professional service. He helped us navigate the whole process from start to closing without any problems. We didn't think we're qualified to purchase a house, but Bill went above and beyond to find a way to help us achieve our goal. He always responded very quickly with our requests, he would come back with different options with comparison chart to clearly indicate how much we need for down payment, monthly payments, interest rates, closing costs etc.
We would highly recommend Bill to anyone in need of lending services. In fact, we have already recommended Bill to one of our friends on purchasing a house.
--- David Chan - Houston, TX
Bank Statement Lending!
William Rapp of Network Funding, L. P. was very professional and I felt comfortable in dealing with him. I will definitely recommend him to family and friends.
--- Ian F - Missouri City, TX
Professionalism - Expert In Home Style Loan
Bill is an expert in the topic, his explanations and online material make a difference and he is always there from the beginning to the end. He is committed to make thing happen.
--- Felipe Caldern & Carolina Angel Gutierrez
Great Service!
Bill Rapp's handling of our loan (even though out of state) was unparalleled to any service I have been through prior, including 3 different real estate transactions and multiple refinances. Extremely quick close, with great options and flexibility for my families needs. All around A+
--- Chris & Beth Sheehan - San Jose, CA
Knowledgeable and Responsive!
Bill was a pleasure to work with and he made the loan process fairly easy. He answered all questions I had very quickly and was straight forward in doing it. I would recommend Bill to others.
--- Wes Brady - Richmond, TX
Very professional and always returned our calls!
Bill takes a lot of pride in his job and is very dependable. They were very patient and understanding. He went out of his way and explained all my questions and concerns. They were very professional and returned my phone calls and emails. He did a great job and I fully recommend him.
--- Therese, Malcom & Shirley Teixeira - Katy, TX
Great Job!
Bill helped us out from beginning to end of loan process. The loan closed in a timely manner as Bill worked hard with bank to get our to the final steps.
--- Kamal & Theresa Wilson - Hartford, CT
Avid Problem-Solver and Absolute Pleasure to Work With!
Bill Rapp worked very hard to ensure that we closed our loan and were able to move into our new home. He always had alternatives to any problems we encountered while closing. He worked with us from the beginning identifying solutions to any problems that we were having. He was an absolute pleasure to work with!
--- Nikita Rayani & Sanit Tejani - Houston, TX
Awesome to work with!
Being a first-time buyer I came in with lots of questions and concerns. Bill was always available for any questions I had and answered everything to my satisfaction. Bill made the loan process so painless that I could still concentrate on other things. We ended up closing early which made things even better. If you are in need of a lender and want someone who is very approachable and stays on top of your loan then Bill is your guy.
--- Cesar Raya - Richmond, TX
Loan Declined by my bank, and he saved the day!
Bill, did an amazing job helping me close on my house. He took the reigns and reassured me the best route to take to help close. He was accountable, thorough and trustworthy. I will continue to work with Network Funding, L.P. when it comes to home buying in the future because of the quality of service Bill gave.
--- Jacob Smith - Boerne, TX
Bill Rapp Will Definitely Make It Happen!
Bill is the most kind, patient and helpful person I have ever known. He answers his phone calls and emails promptly. You can ask him a million questions, and he will answer each and every one of them. Before I started working with Bill, I had been turned down for a home loan, because of some past credit issues I had, plus I was a single mother. However, once I started working with Bill, he was able to quickly get me a home loan, with a good interest rate. I would recommend that you call him, as he will help you.
--- Corinne Wilson - Roselle, NJ
Knowledgeable, Honest, Trustworthy, and Reliable!
"I will definitely keep you in mind. If anyone I know needs financing, I will send them your way!"
--- Jon & Andrea Saleem, CRPC Financial Advisor - Houston, TX
Best Dam Mortgage Guy a man could know!
"Hands down the best loan experience to date!"
--- Gabe & Chelsea Jackson - Pearland, TX
Phenomenal, Hard Working and Never Quits!
Had a stupid foreclosure that could have been avoided if ex’s attny would have sent my buy out offer. So Bill was able to push this through with a 4 year foreclosure. He worked his butt off, was very diligent with his communication; and was very professional talking to me even when I was screaming and/or crying at him. Highly recommend this lender. He really go to the ends of the earth to help you!
--- Liz Keeter - Harlingen, TX
Exceptional customer service!
Bill is the most kind, patient and helpful person I have ever known. He answers his phone calls and emails promptly. You can ask him a million questions, and he will answer each and every one of them. Before I started working with Bill, I had been turned down for a home loan, because of some past credit issues I had, plus I was a single mother. However, once I started working with Bill, he was able to quickly get me a home loan, with a good interest rate. I would recommend that you call him, as he will help you.
--- Isha Lopez & Mauricio Garcia - Houston, TX
Service with a capitol S
Bill went above and beyond at every turn. He worked late on Saturday, he worked late all the time. We wanted to close ASAP and he really helped make it happen for us.
--- Jeff & Wendy Heger - Houston, TX
Best Buying Experience!
I would would highly recommend going with Network Funding LP. As a first time home buyer I didn't know what to expect. Bill Rapp was very helpful in answering all my questions and guided me through all ghe steps. I couldn't have asked for a better buying experience!
--- Tabitha Turner - Humble, TX
Would recommend him and use him again!
Very involved and professional . Kept me informed and up to date on everything that was going on Went with me closing and was very helpful and knowledgeable.
--- Kathy Ward - Houston, TX
Great experience!
Well I meet bill back in December 2016 he got recommended by my real estate agent we had a house in sight and started the process to get approved but we fail due to my work history and credit bill told me not to give up and put me in contact with a credit repair company they help me bring my score up and bill walk me thru the process of getting a new line so this time around we got approved before looking for our house after we found it we still had a couple of hick up but with bills help on Sunday 6-18-17 to be exact Father's Day bill called me to give me the great news that we had got approved and the closing date was as scheduled bill was more than just a lender to my family he became a friend and I'm alway going to have him in mind for any other financial situation.
--- Alejandres Felimon - Richmond, TX
I really liked his attitude!
I wouldn't usually say this but the way he had handled my mortgage was really pleasant. I personally enjoyed the time spent with him while we discussed feasible rates. He's a great man with a great personality and he offered really low interests as well. Definitely recommend him to others.
--- Tom Troiano - Atlantic City, NJ
He's nothing short of a miracle!
I'm a self-employed businessman and had him figure out the mortgage of the house after 30% down payment. The interest rates I received were incredibly low given what I had thought of earlier. One other important thing to note was that I hadn't really taken any loans earlier, so I had no credit history. He helped me out with all that as well so I can't really call him anything else but a miracle.
--- Fran Suarez - Cleveland, OH
He's really helpful!
I made a bid to him and the very same day he gave me an offer which I couldn't resist. It was too intimidating with those incredibly low interest rates and all, thoroughly recommend him.
--- Kenny Mickle - Houston, TX
Expeditious!
Bill was very expeditious and made it real easy going through the loan process. I felt he was on top of things.
I deal with investment properties and will more than likely call on him again.
--- Wayne King - Pensacola, FL
Bill was great!
Bill made us feel like a friend all the way thru the process. He was patient and explained everything he needed clearly. He was available ANYTIME we had questions or needed more information. Hopefully we won’t go thru this process again anytime soon, but if we do - we’d choose Bill! =)
--- Barbra & Nick Grimmer - Austin, TX
Great broker!
Bill was a great broker to work with. As first time home buyers we had many questions about the process, Bill took the time to help us even calling us back on weekends with answers. I would not hesitate to recommend him to anyone looking for a broker to work with.
--- Murray & Lisa Turner - Pensacola, FL
Outstanding service!
I couldn't have been more pleased with Bill's level of service. He made what is typically a lengthy, arduous process far quicker and easier at every turn. I'm extremely comfortable recommending Bill to friends and family, and will definitely utilize his services again!
--- Jim Lipari - Austin, TX
FHA 203 H Loan Product
The Section 203(h) program allows the Federal Housing Administration (FHA) to insure mortgages made by qualified lenders to victims of a major disaster who have lost their homes and are in the process of rebuilding or buying another home.
Purpose:
Through Section 203(h), the Federal Government helps victims in Presidentially designated disaster areas recover by making it easier for them to get mortgages and become homeowners or re-establish themselves as homeowners.
Type of Assistance:
This program provides mortgage insurance to protect lenders against the risk of default on mortgages to qualified disaster victims. Individuals are eligible for this program if their homes are located in an area that was designated by the President as a disaster area and if their homes were destroyed or damaged to such an extent that reconstruction or replacement is necessary. Insured mortgages may be used to finance the purchase or reconstruction of a one-family home that will be the principal residence of the homeowner. Like the basic FHA mortgage insurance program it resembles (Section 203(b) Mortgage Insurance for One to Four Family Homes), Section 203(h) offers features that make recovery from a disaster easier for homeowners:
No down payment is required. The borrower is eligible for 100 percent financing. Closing costs and prepaid expenses must be paid by the borrower in cash or paid through premium pricing or by the seller, subject to a 6 percent limitation on seller concessions.
FHA mortgage insurance is not free. Mortgagees collect from the borrowers an up-front insurance premium (which may be financed) at the time of purchase, as well as monthly premiums that are not financed, but instead are added to the regular mortgage payment.
HUD sets limits on the amount that may be insured. To make sure that its programs serve low and moderate income people, FHA sets limits on the dollar value of the mortgage. The current FHA mortgage limit can be viewed online. These figures vary over time and by place, depending on the cost of living and other factors (higher limits also exist for two to four family properties).
Eligible Customers:
Anyone whose home has been destroyed or severely damaged in a Presidentially declared disaster area is eligible to apply for mortgage insurance under this program.
Application:
The borrower's application for mortgage insurance must be submitted to the lender within one year of the President's declaration of the disaster. Applications are made through an FHA approved lending institution, who make their requests through a provision known as "Direct Endorsement," which authorizes them to consider applications without submitting paperwork to HUD. Mortgage insurance processing and administration for this and other FHA single family mortgage insurance products are handled through HUD's Homeownership Centers.
My best advice to you is to call Bill Rapp, the Mortgage Viking, to discuss your options today 281-222-0433.
🚀 Why Mortgage Brokers Have More Flexibility: Build a Bigger Mortgage Business with Medallion Companies 🏡
🚀 Why Mortgage Brokers Have More Flexibility: Build a Bigger Mortgage Business with Medallion Companies 🏡
💰 Stop Being Limited by One Lender: How Medallion Helps Mortgage Professionals Grow Their Business 📈
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Why Mortgage Brokers Have More Flexibility—and How Medallion Companies Can Help Grow Your Business
The mortgage industry is changing. Loan officers and mortgage professionals who want to build sustainable businesses increasingly need something beyond a competitive rate sheet.
They need flexibility.
Borrowers rarely fit into one neat box. One client may be a first-time homebuyer looking for conventional financing. Another may be a physician with substantial student debt. The next could be a self-employed entrepreneur whose tax returns do not tell the full story of their financial strength.
And the investor calling tomorrow may need a DSCR loan instead of a traditional residential mortgage.
That is where the mortgage broker model can create a significant advantage.
Rather than trying to make every borrower fit the lending parameters of a single institution, independent mortgage brokers can seek financing solutions designed around the borrower's actual circumstances.
For mortgage professionals considering their next career move, that flexibility is also central to the opportunity available through Medallion Mortgage and Medallion Funds.
Why Mortgage Brokers Have More Flexibility
A traditional retail loan officer typically works within the product menu, underwriting guidelines, pricing structure and risk appetite of their employer.
When the borrower's situation falls outside that box, the options can become limited.
A mortgage broker operates differently.
Instead of relying exclusively on one source of capital, brokers can potentially access multiple lenders, programs and lending channels.
That creates an important distinction:
The question becomes less about whether one lender can make the loan and more about which lending solution best fits the borrower.
This broader approach can be particularly valuable when serving borrowers who require specialized financing.
More Loan Programs Can Mean More Opportunities
Mortgage professionals build relationships one client at a time. Losing a borrower because your company does not offer the appropriate program can mean losing more than one transaction—it can mean losing the relationship and the referrals that could have followed.
A broader mortgage platform can help professionals serve more of the clients already coming through their network.
Depending on eligibility, borrower profile and available lending programs, those opportunities may include:
·Conventional mortgages
·FHA, VA and USDA financing
·Jumbo mortgages
·Doctor and dentist mortgage programs
·Non-QM loans
·Bank-statement programs
·DSCR investor loans
·Asset-utilization programs
·HELOCs
·Portfolio and specialty lending
·Commercial real estate financing
The goal is not simply to offer more products.
It is to have more ways to solve financing problems.
Why Flexibility Matters for Self-Employed Borrowers
Entrepreneurs, business owners and independent contractors represent an important opportunity for mortgage professionals.
They can also be challenging borrowers for traditional lending models.
A successful business owner may have strong cash flow and significant assets while reporting taxable income that does not fit conventional qualification standards.
A broker with access to alternative lending solutions may be able to evaluate programs designed specifically for those circumstances.
That means mortgage professionals can position themselves as advisors rather than simply order takers.
Investors Need Specialized Mortgage Solutions Too
Real estate investors have different objectives from traditional owner-occupant borrowers.
Their financing strategy may depend on rental income, cash flow, leverage, portfolio size and exit strategy.
Programs such as DSCR loans can allow qualified investors to pursue financing based substantially on the property's economics rather than relying exclusively on traditional personal-income qualification.
For a mortgage professional, developing expertise in investor financing can create another recurring source of business.
An investor who purchases one rental property may eventually purchase five, ten or more.
That can transform a single transaction into a long-term client relationship.
Medallion Mortgage: Build a Residential Mortgage Business
The Medallion platform is designed around a straightforward concept:
Give mortgage professionals the tools and flexibility to build their own book of business.
Instead of defining success around one loan product, the objective is to help mortgage professionals develop lasting relationships with homebuyers, homeowners, investors, real estate agents, builders and other referral partners.
The stronger your financing toolbox becomes, the more valuable you can become to those relationships.
Medallion Funds: Expand Beyond Residential Mortgages
One of the most interesting growth opportunities for mortgage professionals is learning how to identify financing opportunities beyond a traditional home loan.
Consider the clients already inside a typical mortgage professional's network.
They include physicians, dentists, attorneys, entrepreneurs, investors and business owners.
Many of them eventually need more than residential financing.
A physician may want to purchase a medical office.
A dentist may decide to buy the building occupied by the practice.
An investor may move from single-family rentals into multifamily or commercial real estate.
A business owner may want to purchase an owner-occupied commercial property.
Those relationships can potentially lead to commercial financing opportunities.
That is where Medallion Funds expands the conversation.
Instead of automatically referring those opportunities elsewhere, mortgage professionals can learn to recognize when a residential relationship may also have a commercial capital need.
Stop Thinking Transaction. Start Thinking Relationship.
This is one of the biggest opportunities in mortgage origination.
Suppose you help a doctor purchase a $900,000 home.
If you view that person strictly as a residential mortgage borrower, the relationship may end at closing.
But that doctor could eventually need financing to:
Purchase a medical office. Acquire another practice. Buy investment property. Refinance commercial real estate. Purchase a second home. Finance additional residential properties.
The original mortgage is only one financial event in a much larger relationship.
Mortgage professionals who understand this can position themselves to remain relevant as their clients' financial needs evolve.
Build Referral Relationships Around Solutions
Real estate agents and other referral partners have their reputations attached to the professionals they recommend.
They want mortgage partners who can help solve problems.
A loan officer who repeatedly says, "We don't offer that program," creates an opening for another lender.
A mortgage professional with a broader lending platform can instead say:
"Let me determine which financing solution makes the most sense."
That is a very different value proposition.
It can help create deeper relationships with real estate agents, builders, CPAs, financial advisors, attorneys and commercial real estate professionals.
Why Entrepreneurial Mortgage Professionals May Prefer the Broker Model
The broker model can be particularly attractive to professionals who think like business owners.
These originators do not simply want leads handed to them.
They want to build a recognizable personal brand, develop referral channels, create repeatable marketing systems and build a database that compounds in value.
They understand that their greatest long-term asset is not a particular loan program.
It is their network of relationships.
A flexible mortgage platform gives those professionals more opportunities to monetize and, more importantly, serve that network.
The Medallion Companies Opportunity
Medallion Mortgage and Medallion Funds are built around helping entrepreneurial mortgage professionals expand what they can offer their clients.
The opportunity is broader than simply originating another residential mortgage.
It is about building a financing practice capable of serving clients across different stages of their real estate and business journey.
Residential borrowers become homeowners.
Homeowners become investors.
Investors buy commercial properties.
Professionals become business owners.
Business owners purchase buildings.
The financing professional who can continue helping those clients has an opportunity to build something far more valuable than a pipeline of one-time transactions.
They can build a long-term advisory business.
Is Medallion Right for You?
If you are a mortgage professional evaluating your next platform, ask yourself a few questions.
Are you looking for greater lending flexibility?
Do you want to develop your own referral relationships?
Would you like to serve borrowers who do not always fit traditional lending guidelines?
Do you want exposure to investor and commercial financing opportunities?
Most importantly:
Do you want to build your own mortgage business rather than simply originate loans?
If the answer is yes, it may be time to explore what the Medallion Companies platform can offer.
The future of mortgage origination belongs to professionals who can combine relationships, expertise, technology, capital access and entrepreneurial thinking.
That is the business Medallion is working to build.
Bill Rapp
Partner & Director of Capital Advisory | Medallion Funds
Commercial Lending Nationwide
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