Low Rates.

Our rates are low, our application is quick and easy! We can get you clear to close in as little as 10 days!

Trusted By Agents With

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.

The Client Experience

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

Loan Programs Available

Blogs

The Top 5 Mortgage Mistakes to Avoid

Buying your first home can be both exciting and nerve-wracking at the same time. With so many things to consider and....

Mortgage Do and

Do not list

Mortgages can be tricky, and it's easy to make mistakes that can end up costing you dearly. That's why we've put together this list....

Tips On How To Improve Your Credit Score

Let's talk about some ways you can improve your credit score! Your credit score is actually a big deal, and it can affect...

🏘️ Mortgage Lending Meets Privacy Laws: Texas Could See a Shift 🔐

📉 From Data to Dollars: Why Google’s Settlement Might Loosen Lending in CRE 💳

May 12, 20251 min read

📉 From Data to Dollars: Why Google’s Settlement Might Loosen Lending in CRE 💳

🏘️ Mortgage Lending Meets Privacy Laws: Texas Could See a Shift 🔐


Google Pays Texas $1.4B—Here’s Why Mortgage Lending Could Benefit

At Medallion Mortgage, we’re always watching how policy, economics, and legal developments shape the lending landscape. The latest bombshell? Google is cutting a $1.375 billion check to the state of Texas in a massive data privacy settlement announced in May 2025.

👀 Here’s why it matters to mortgage lenders, investors, and developers: this unprecedented windfall may indirectly fuel activity in both residential and commercial lending across Texas.

💸 A Rising Tide Lifts All Markets

The funds could be used to support:

  • Small business programs and startup incentives

  • Tech infrastructure expansion (hello, new development zones!)

  • Affordable housing and community development

  • Grants or subsidies tied to digital literacy or cybersecurity

All of this points to a more active lending environment—especially in underserved or growth-priority markets like West Houston, Katy, and Fulshear.

🧠 Smarter Borrowers, Smarter Lending

The spotlight on privacy will also push borrowers and lenders to demand better compliance, safer platforms, and more transparency. Expect:

  • More tech integrations in underwriting and loan servicing

  • Stronger privacy language in loan docs

  • New incentives tied to digital-forward properties

In short, Google’s loss may be a win for the mortgage industry—especially here in Texas.

📚 Original article source: CNBC – Google agrees to pay Texas $1.4 billion in data privacy settlement


https://www.billrapponline.com/

https://findamortgagebroker.com/Profile/WilliamRappJr28883

https://billrapp.commloan.com/

https://billrapponline.com/financingfuturescre-houston-katy

https://houstoncommercialmortgage.com/

https://author.billrapponline.com

https://doctorvideo.billrapponline.com/

https://veteransvideo.billrapponline.com/

https://mortgageviking.billrapponline.com/

https://fha203h.billrapponline.com/

https://renovationvideo.billrapponline.com

https://medallionfunds.com/bill-rapp/

https://www.amazon.com/dp/B0F32Z5BH2


© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory


Texas mortgage lendingTexas Google SettlementCommercial loan opportunitiesdata privacy in lendingMortgage market trends TexasMortgage brokerage Houston
blog author image

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!

Back to Blog

10 Tips for First-Time Homebuyers

Buying your first home can be both exciting and nerve-wracking at the same time. With so many things to consider and....

How To Choose the Right Lender for You

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy

Refinancing youe loan and when to do it

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy

Copyright ©2021 | Mortgage Viking Team

Licensed to Do Business | NMLS # 228246


This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2021 | Medallion Funds


Corporate | NMLS ID NMLS # 1825831

Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014

Corporate NMLS NMLS # 1825831 | Company Website: https://medallionfunds.com/bill-rapp/

Copyright ©2021 | Mortgage Viking Team Licensed to Do Business | NMLS # 228246

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply

Corporate | NMLS ID NMLS # 1825831

Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014 https://medallionfunds.com/bill-rapp/