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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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🏦💸 “2026 Refinance Wave: Will Falling Mortgage Rates Spark a Historic Refi Boom?” 📉🔥

🚀📉 “Is 2026 the Year of the Great Refinance Boom?” | Mortgage Rates, Equity & Opportunity 📈🏡

Bill Rapp, Commercial Mortgage Broker
November 20, 2025•3 min read

🚀📉 “Is 2026 the Year of the Great Refinance Boom?” | Mortgage Rates, Equity & Opportunity 📈🏡

🏦💸 “2026 Refinance Wave: Will Falling Mortgage Rates Spark a Historic Refi Boom?” 📉🔥

📉 Is 2026 the Year of the Great Refinance Boom?

Mortgage rates are finally breaking lower after years of volatility — and homeowners, investors, and business owners are all asking the same question:

Will 2026 be the year refinance demand surges again?

At Medallion Funds, we’re already seeing early indicators pointing to one of the strongest refinance cycles since 2020–2021. From rate cuts to improved liquidity, the market is shifting, and smart borrowers are preparing now instead of waiting.

Let’s break down what’s driving the momentum — and what it means for you.

🔥 1. Rates Are Drifting Lower After Years of Pain

After peaking in the 7–8% range, mortgage rates have steadily moved down as:

·The Federal Reserve signals continued rate cuts

·Inflation cools

·Debt markets regain liquidity

·Investors pile back into mortgage-backed securities

By mid-2026, many analysts project rates settling in the mid-5% range, with potential dips into the high-4s depending on market volatility.

For borrowers who locked in anytime between 2022–2024, this could be a massive opportunity to refinance.

🔥 2. Millions of Homeowners Will Finally Be “In the Money” to Refi

Between 2022 and 2024, buyers purchased homes at:

·Higher rates

·Record prices

·Significant payment pressure

As rates fall, these homeowners will enter the refinance sweet spot. According to national mortgage analytics, over 7 million borrowers could become eligible for a meaningful rate-reduction refinance by 2026.

For investors with DSCR loans, this also means:

·Higher cash flow

·Better DSCR

·The ability to pull cash out

·Stronger long-term hold metrics

🔥 3. Liquidity Is Returning Across All Lending Channels

We’re seeing:

·Banks re-entering the mortgage market

·Non-QM lenders expanding programs

·DSCR, bank-statement, and investor loan rates declining

·Commercial lending spreads tightening

With more lenders fighting for business, pricing becomes more competitive, creating the perfect environment for a refinance boom.

🔥 4. Home Values Are Still High — Unlocking Record Equity

Even with minor market corrections, nationwide home values remain near all-time highs.

This opens doors for:

·Cash-out refinances

·Investment portfolio refinancing

·Renovation loans

·Equity repositioning

Many investors will use 2026–2027 to restructure their balance sheets while values remain elevated.

🔥 5. Who Should Consider Refinancing in 2026?

Homebuyers who purchased from 2022–2024

They locked in during peak rates and can reduce payments dramatically.

Real estate investors

Improving DSCR = higher appraised loan amounts + stronger yield.

Self-employed borrowers

Bank-statement and asset-qualifying loans become cheaper.

Anyone planning a cash-out strategy

2026 may be the best window before the next rate cycle turns.

💡 Final Takeaway: Don’t Wait Until 2026 — Start Preparing Now

By the time the Fed announces additional cuts, the market will already be pricing them in.

Smart borrowers prepare early:

·Review your current mortgage

·Analyze payment savings

·Run DSCR improvement scenarios

·Get prequalified so you can lock quickly

·Understand timing and costs

If you want to be first in line when the refi window opens, Medallion Funds is already preparing clients for that shift.

If 2026 becomes the year of the Great Refinance Boom — those who prepare early will benefit the most.

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

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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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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/