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Our rates are low, our application is quick and easy! We can get you clear to close in as little as 10 days!
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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.
The Client Experience
Great experience purchasing our first home! Bill was easy to reach and always able to answer any questions or concerns.
Loan Programs Available
Blogs
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📥 The Ultimate Mortgage Prep Checklist 2025 🏡 (Free Download Inside!)
📥 The Ultimate Mortgage Prep Checklist 2025 🏡 (Free Download Inside!)
✅ Mortgage Preparation Made Easy: Step-by-Step Home Loan Checklist 📊
📥 The Ultimate Mortgage Prep Checklist (Free Download)
Buying a home is one of the biggest financial decisions you’ll ever make—and preparation is the key to success. Whether you’re a first-time homebuyer, refinancing, or exploring specialized loan programs like VA, FHA, or Doctor Loans, being fully prepared can save you time, money, and stress.
That’s why we’ve created The Ultimate Mortgage Prep Checklist (Free Download)—a step-by-step guide that ensures you’re 100% ready when it’s time to apply for a mortgage.
Why Mortgage Preparation Matters
Mortgage lenders don’t just look at your income—they examine your credit score, debt-to-income ratio (DTI), savings, and documentation. Missing one key document can delay closing, or worse—derail your loan approval. By preparing early, you’ll avoid surprises and put yourself in the strongest position possible.
✅ What’s Inside the Ultimate Mortgage Prep Checklist
1. Credit Health Review
o Pull your credit report and fix errors.
o Pay down revolving debt and avoid new inquiries.
2. Income Documentation
o W-2 employees: Gather 2 years of W-2s, pay stubs, and tax returns.
o Self-employed borrowers: Prepare 2 years of tax returns, profit & loss statements, and bank statements.
3. Asset Verification
o Collect bank statements, retirement account balances, and proof of down payment funds.
o Avoid large unexplained deposits.
4. Debt Management
o List monthly obligations like car payments, student loans, and credit cards.
o Consider paying off high-interest debt before applying.
5. Budget & Savings
o Estimate total monthly housing costs (mortgage, insurance, taxes, HOA).
o Save for closing costs and reserves.
6. Special Loan Prep
o VA Loans: Gather DD214 or Certificate of Eligibility.
o Doctor Loans: Provide employment contract and medical license.
o FHA/USDA: Review property eligibility and credit score requirements.
📊 How This Checklist Helps You Win
· Faster Pre-Approval – Be “offer ready” in competitive markets.
· Smoother Loan Process – Reduce back-and-forth with underwriters.
· Stronger Negotiation Power – Sellers love serious, pre-approved buyers.
📥 Free Download
👉 Click here to download your free Mortgage Prep Checklist and start your journey to homeownership with confidence.
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© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory
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Refinancing youe loan and when to do it
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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/
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