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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.

27185 Astoria Brook Ln, Katy, TX 77494, USA

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📊 How to Build a Strong Personal Financial Statement That Wins Loan Approvals 💼

💰 Master Your Financials: What Lenders Look For in a Borrower 🏦

Bill Rapp, Commercial Mortgage Broker

November 08, 2025•2 min read

💰 Master Your Financials: What Lenders Look For in a Borrower 🏦

📊 How to Build a Strong Personal Financial Statement That Wins Loan Approvals 💼

When it comes to securing a mortgage or commercial loan, your Personal Financial Statement (PFS) is your financial résumé — and lenders analyze it carefully to determine your credibility and capacity to repay debt. Whether you’re applying for a residential mortgage, a DSCR investment loan, or a commercial real estate loan, knowing what lenders want in your PFS can make or break your approval odds.

💧 Liquidity — Cash Is Confidence

Lenders love liquidity because it shows your ability to handle the unexpected. Liquid assets like checking, savings, or marketable securities give underwriters confidence that you can manage your obligations even if income slows. For commercial borrowers, maintaining at least 6–12 months of reserves can strengthen your position significantly.

💵 Net Worth — Your Long-Term Strength

Your net worth represents the total value of your assets minus liabilities. Lenders use it to assess long-term stability and financial maturity. A strong net worth signals you’ve built assets responsibly, giving lenders assurance that you’re not overleveraged. This is especially vital in commercial and investor lending, where asset protection and leverage management are key.

💼 Personal Income — The Backbone of Repayment

Even with great liquidity, lenders still evaluate your personal income to confirm consistent cash flow. For wage earners, this means W-2s and pay stubs; for entrepreneurs and investors, it includes tax returns, K-1s, or profit-and-loss statements. Lenders compare this against your debt obligations to calculate Debt-to-Income (DTI) or Debt Service Coverage Ratio (DSCR).

📈 Other Factors Lenders Review

·Credit history: A track record of timely payments builds trust.

·Liabilities: Lenders analyze outstanding loans and contingent liabilities.

·Contingent income: Rental or investment income helps strengthen your financial picture.

🏁 Final Takeaway

A well-prepared personal financial statement doesn’t just get you approved — it gets you better terms. The clearer and more transparent your financials, the stronger your negotiating power.

👉 At Medallion Funds, we help borrowers present clean, credible financial profiles to unlock more favorable loan options and faster approvals.

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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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