Bill is a one of the best, if not the best mortgage broker I have worked with. Very professional, his expertise and knowledge are well beyond a typical mortgage lender. He closes loans for small residential up to large commercial loans, so you'd be hard pressed to find another with as much knowledge. Good news is, not only does he have knowledge, he also has efficiency to get your loan closed on time and in my case, for less than expected! I closed a personal, residential rehab loan this month. Because of my positive experience as a buyer, I look forward to working with him again referring my own real estate clients. I am a real estate broker associate serving Galveston and Bay Area Houston with both residential and commercial clients. Bill Rapp = all wins, in my book!