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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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💼 Houston Jumbo Loans Explained: How to Buy Big in a High-Value Market 🏙️

🏠 Jumbo Loans in Houston: Finance Your Dream Home Without Limits 💸

Bill Rapp, Commercial Mortgage Broker

June 26, 2025•2 min read

🏠 Jumbo Loans in Houston: Finance Your Dream Home Without Limits 💸

💼 Houston Jumbo Loans Explained: How to Buy Big in a High-Value Market 🏙️

📊 Jumbo Loans in Houston: When Your Dream Home Exceeds Conforming Limits

Houston’s real estate market continues to grow, and with it, so do home prices—especially in prime neighborhoods like Memorial, River Oaks, The Heights, and West University. But what happens when your dream home comes with a price tag that exceeds conventional loan limits? The answer: jumbo loans.

💡 What Is a Jumbo Loan?

A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). In 2025, the conforming limit for most of Texas is $766,550. If your desired home exceeds that amount, you’ll need jumbo financing.

These loans are designed for high-income earners, self-employed professionals, and buyers in competitive, luxury markets. In Houston, where medical professionals, business owners, and investors seek out high-value properties, jumbo loans are more common than you think.

✅ Who Needs a Jumbo Loan in Houston?

· Doctors and Dentists buying $1M+ homes near the Texas Medical Center

· Executives relocating to The Woodlands or West University

· Investors acquiring luxury duplexes or custom builds in Katy & Fulshear

· Self-employed professionals whose tax returns don’t tell the whole story

🔎 Jumbo Loan Requirements

To qualify, you’ll typically need:

· A credit score of 700 or higher

· A 10–20% down payment

· Low debt-to-income ratio (usually under 43%)

· Proof of reserves (6–12 months of mortgage payments)

· Solid documentation (or bank statements for alternative income proof)

At Medallion Mortgage, we help you structure jumbo loans for your unique financial profile—including options for doctors, self-employed borrowers, and investors.

🧠 Pro Tip: Use Jumbo Loans Strategically

Many buyers assume jumbo loans are more difficult—but in Houston, they’re often the best tool for securing the right home in the right area. With the right mortgage broker (like us), you’ll get competitive rates and flexible underwriting, especially if you’re looking for:

· Interest-only options

· Asset-based lending

· Bank statement loans for high-cash-flow individuals

💬 Ready to Talk Jumbo?

If your dream home doesn’t fit in the "conforming" box, don’t worry. We specialize in helping you go big—without overpaying. Whether you’re buying, refinancing, or building a luxury property, let’s run the numbers together.

👉 Schedule your free consultation today at BillRappOnline.com

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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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