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Meet Bill Rapp

NMLS ID # NMLS # 228246

William Rapp, based in Houston, TX, US, is currently a Capital Advisor at Medallion Funds, bringing experience from previous roles at eXp Commercial, NEXA Mortgage, Viking Enterprise LLC and Sun Realty - Houston. William Rapp holds a 1997 - 2001 BBA in Finance @ Texas A&M University. With a robust skill set that includes REO, Sellers, SFR, FHA financing, Reverse Mortgages and more, William Rapp contributes valuable insights to the industry.

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Great experience purchasing our first home! Bill was easy to reach and always able to answer any questions or concerns.

27185 Astoria Brook Ln, Katy, TX 77494, USA

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🏡 Financing Real Estate in Texas as a Foreign National 🌐🇺🇸

🌍 Foreign National Loans in Texas: A Guide for Global Investors 💼

Bill Rapp, Commercial Mortgage Broker

July 14, 2025•2 min read

🌍 Foreign National Loans in Texas: A Guide for Global Investors 💼

🏡 Financing Real Estate in Texas as a Foreign National 🌐🇺🇸

🧳 Foreign National Loans: Financing for Global Investors in Texas

Texas continues to attract global investors seeking strong returns in real estate—whether in residential investment properties, second homes, or commercial opportunities. But for foreign nationals, navigating U.S. financing can feel like entering a new world. The good news? Foreign national loans make it possible.

🌎 What Are Foreign National Loans?

Foreign national loans are specialized mortgage products designed for non-U.S. citizens who don’t reside or work in the United States. These loans allow global investors to purchase real estate in Texas without needing a green card, visa, or U.S. credit history.

✅ Who Qualifies for a Foreign National Loan?

To qualify, borrowers typically need:

· A valid foreign passport

· Proof of income from their home country

· Bank statements (often 6–12 months)

· A 30%+ down payment

· A qualifying property (usually non-owner-occupied)

No Social Security Number? No problem. Most lenders require an Individual Taxpayer Identification Number (ITIN), though some loan programs don’t even require that.

🏘️ Property Types You Can Finance

· Residential (Single-family, condo, or townhome)

· Investment (Rental properties, second homes)

· Commercial (Multifamily 5+ units, retail, hospitality, etc.)

This makes Texas, with its booming economy and real estate appreciation, an ideal destination for foreign capital.

💳 Key Loan Terms and Considerations

· Loan-to-Value (LTV): Up to 65-70%

· Interest Rates: Slightly higher than U.S. citizen rates

· Loan Sizes: Often start at $150,000, but go much higher

· Documentation: No U.S. credit score required; foreign credit references may be accepted

We help structure deals that align with your country’s financial systems and ensure seamless closings—even remotely.

💼 Why Work With a Texas Mortgage Broker?

Foreign national loans are niche, and not all banks or lenders offer them. That’s where we come in. At Medallion Mortgage, we match global investors with the right loan programs, streamline the documentation process, and help you invest with confidence.

📌 Ready to finance your U.S. property as a foreign national? Let’s talk.

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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