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Bill Rapp, Mortgage Originator: NMLS 228246
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WITH PROVEN STRATEGIES & PROVEN RESULTS
HERE'S WHAT MY CLIENTS SAY:
What People Are Saying:
Excellent Service
Bill is an exceptional loan officer. He helped us to purchase our home with very personal and professional service. He helped us navigate the whole process from start to closing without any problems. We didn't think we're qualified to purchase a house, but Bill went above and beyond to find a way to help us achieve our goal. He always responded very quickly with our requests, he would come back with different options with comparison chart to clearly indicate how much we need for down payment, monthly payments, interest rates, closing costs etc.
We would highly recommend Bill to anyone in need of lending services. In fact, we have already recommended Bill to one of our friends on purchasing a house.
--- David Chan - Houston, TX
Bank Statement Lending!
William Rapp of Network Funding, L. P. was very professional and I felt comfortable in dealing with him. I will definitely recommend him to family and friends.
--- Ian F - Missouri City, TX
Professionalism - Expert In Home Style Loan
Bill is an expert in the topic, his explanations and online material make a difference and he is always there from the beginning to the end. He is committed to make thing happen.
--- Felipe Caldern & Carolina Angel Gutierrez
Great Service!
Bill Rapp's handling of our loan (even though out of state) was unparalleled to any service I have been through prior, including 3 different real estate transactions and multiple refinances. Extremely quick close, with great options and flexibility for my families needs. All around A+
--- Chris & Beth Sheehan - San Jose, CA
Knowledgeable and Responsive!
Bill was a pleasure to work with and he made the loan process fairly easy. He answered all questions I had very quickly and was straight forward in doing it. I would recommend Bill to others.
--- Wes Brady - Richmond, TX
Very professional and always returned our calls!
Bill takes a lot of pride in his job and is very dependable. They were very patient and understanding. He went out of his way and explained all my questions and concerns. They were very professional and returned my phone calls and emails. He did a great job and I fully recommend him.
--- Therese, Malcom & Shirley Teixeira - Katy, TX
Great Job!
Bill helped us out from beginning to end of loan process. The loan closed in a timely manner as Bill worked hard with bank to get our to the final steps.
--- Kamal & Theresa Wilson - Hartford, CT
Avid Problem-Solver and Absolute Pleasure to Work With!
Bill Rapp worked very hard to ensure that we closed our loan and were able to move into our new home. He always had alternatives to any problems we encountered while closing. He worked with us from the beginning identifying solutions to any problems that we were having. He was an absolute pleasure to work with!
--- Nikita Rayani & Sanit Tejani - Houston, TX
Awesome to work with!
Being a first-time buyer I came in with lots of questions and concerns. Bill was always available for any questions I had and answered everything to my satisfaction. Bill made the loan process so painless that I could still concentrate on other things. We ended up closing early which made things even better. If you are in need of a lender and want someone who is very approachable and stays on top of your loan then Bill is your guy.
--- Cesar Raya - Richmond, TX
Loan Declined by my bank, and he saved the day!
Bill, did an amazing job helping me close on my house. He took the reigns and reassured me the best route to take to help close. He was accountable, thorough and trustworthy. I will continue to work with Network Funding, L.P. when it comes to home buying in the future because of the quality of service Bill gave.
--- Jacob Smith - Boerne, TX
Bill Rapp Will Definitely Make It Happen!
Bill is the most kind, patient and helpful person I have ever known. He answers his phone calls and emails promptly. You can ask him a million questions, and he will answer each and every one of them. Before I started working with Bill, I had been turned down for a home loan, because of some past credit issues I had, plus I was a single mother. However, once I started working with Bill, he was able to quickly get me a home loan, with a good interest rate. I would recommend that you call him, as he will help you.
--- Corinne Wilson - Roselle, NJ
Knowledgeable, Honest, Trustworthy, and Reliable!
"I will definitely keep you in mind. If anyone I know needs financing, I will send them your way!"
--- Jon & Andrea Saleem, CRPC Financial Advisor - Houston, TX
Best Dam Mortgage Guy a man could know!
"Hands down the best loan experience to date!"
--- Gabe & Chelsea Jackson - Pearland, TX
Phenomenal, Hard Working and Never Quits!
Had a stupid foreclosure that could have been avoided if ex’s attny would have sent my buy out offer. So Bill was able to push this through with a 4 year foreclosure. He worked his butt off, was very diligent with his communication; and was very professional talking to me even when I was screaming and/or crying at him. Highly recommend this lender. He really go to the ends of the earth to help you!
--- Liz Keeter - Harlingen, TX
Exceptional customer service!
Bill is the most kind, patient and helpful person I have ever known. He answers his phone calls and emails promptly. You can ask him a million questions, and he will answer each and every one of them. Before I started working with Bill, I had been turned down for a home loan, because of some past credit issues I had, plus I was a single mother. However, once I started working with Bill, he was able to quickly get me a home loan, with a good interest rate. I would recommend that you call him, as he will help you.
--- Isha Lopez & Mauricio Garcia - Houston, TX
Service with a capitol S
Bill went above and beyond at every turn. He worked late on Saturday, he worked late all the time. We wanted to close ASAP and he really helped make it happen for us.
--- Jeff & Wendy Heger - Houston, TX
Best Buying Experience!
I would would highly recommend going with Network Funding LP. As a first time home buyer I didn't know what to expect. Bill Rapp was very helpful in answering all my questions and guided me through all ghe steps. I couldn't have asked for a better buying experience!
--- Tabitha Turner - Humble, TX
Would recommend him and use him again!
Very involved and professional . Kept me informed and up to date on everything that was going on Went with me closing and was very helpful and knowledgeable.
--- Kathy Ward - Houston, TX
Great experience!
Well I meet bill back in December 2016 he got recommended by my real estate agent we had a house in sight and started the process to get approved but we fail due to my work history and credit bill told me not to give up and put me in contact with a credit repair company they help me bring my score up and bill walk me thru the process of getting a new line so this time around we got approved before looking for our house after we found it we still had a couple of hick up but with bills help on Sunday 6-18-17 to be exact Father's Day bill called me to give me the great news that we had got approved and the closing date was as scheduled bill was more than just a lender to my family he became a friend and I'm alway going to have him in mind for any other financial situation.
--- Alejandres Felimon - Richmond, TX
I really liked his attitude!
I wouldn't usually say this but the way he had handled my mortgage was really pleasant. I personally enjoyed the time spent with him while we discussed feasible rates. He's a great man with a great personality and he offered really low interests as well. Definitely recommend him to others.
--- Tom Troiano - Atlantic City, NJ
He's nothing short of a miracle!
I'm a self-employed businessman and had him figure out the mortgage of the house after 30% down payment. The interest rates I received were incredibly low given what I had thought of earlier. One other important thing to note was that I hadn't really taken any loans earlier, so I had no credit history. He helped me out with all that as well so I can't really call him anything else but a miracle.
--- Fran Suarez - Cleveland, OH
He's really helpful!
I made a bid to him and the very same day he gave me an offer which I couldn't resist. It was too intimidating with those incredibly low interest rates and all, thoroughly recommend him.
--- Kenny Mickle - Houston, TX
Expeditious!
Bill was very expeditious and made it real easy going through the loan process. I felt he was on top of things.
I deal with investment properties and will more than likely call on him again.
--- Wayne King - Pensacola, FL
Bill was great!
Bill made us feel like a friend all the way thru the process. He was patient and explained everything he needed clearly. He was available ANYTIME we had questions or needed more information. Hopefully we won’t go thru this process again anytime soon, but if we do - we’d choose Bill! =)
--- Barbra & Nick Grimmer - Austin, TX
Great broker!
Bill was a great broker to work with. As first time home buyers we had many questions about the process, Bill took the time to help us even calling us back on weekends with answers. I would not hesitate to recommend him to anyone looking for a broker to work with.
--- Murray & Lisa Turner - Pensacola, FL
Outstanding service!
I couldn't have been more pleased with Bill's level of service. He made what is typically a lengthy, arduous process far quicker and easier at every turn. I'm extremely comfortable recommending Bill to friends and family, and will definitely utilize his services again!
--- Jim Lipari - Austin, TX
Commercial Mortgage Brokerage Services
Commercial Lending Made Simple
Securing financing for commercial real estate can be one of the most important—and sometimes challenging—parts of any transaction. Whether you're purchasing a property, refinancing existing debt, funding improvements, or expanding your business, having the right financing strategy can make a significant difference.
At CommLoan and the Viking Enterprise Team, we help investors and business owners navigate the commercial lending process and connect with financing solutions that fit their goals.
Our mission is simple: help clients secure the right loan with the right lender at the right time.
What Is Commercial Real Estate Financing?
Commercial real estate financing allows investors and business owners to purchase, refinance, construct, or improve income-producing and owner-occupied properties.
Common property types include:
Office buildings
Retail centers
Industrial and warehouse properties
Multifamily properties
Medical office buildings
Self-storage facilities
Hospitality properties
Mixed-use developments
Unlike residential mortgages, commercial loans are designed around the property's income, business purpose, and overall investment strategy.
Financing Solutions for Every Situation
No two borrowers are exactly alike.
We help clients explore a variety of financing options, including:
Conventional bank loans
Credit union financing
SBA 7(a) and SBA 504 loans
Multifamily financing
Construction loans
Bridge loans
Private lending
DSCR loans
Portfolio lending
Commercial refinancing solutions
Our goal is to match each borrower with financing that aligns with their business plan and objectives.
Understanding What Lenders Look For
Commercial lenders evaluate both the borrower and the property when making lending decisions.
Common factors include:
Property cash flow
Debt Service Coverage Ratio (DSCR)
Loan-to-value ratio (LTV)
Borrower experience
Credit history
Liquidity and net worth
Property type and location
Understanding these factors early can improve approval odds and create a smoother financing process.
Access to Hundreds of Lending Sources
One of the biggest challenges borrowers face is identifying which lenders are a good fit for their transaction.
Through our lending network, we help connect clients with:
Local community banks
Regional banks
National lenders
Credit unions
Agency lenders
Life insurance companies
SBA lenders
Private capital providers
Bridge and hard money lenders
Instead of contacting lenders one at a time, borrowers can gain access to multiple financing options through a single point of contact.
Financing for Acquisitions and Refinances
Whether you're purchasing a property or refinancing existing debt, we help clients evaluate available options and structure financing solutions that support their goals.
Common financing objectives include:
Property acquisitions
Rate and term refinances
Cash-out refinances
Construction financing
Property improvements
Debt restructuring
Portfolio growth
Every transaction is unique, and financing should be tailored to the specific needs of the borrower.
Preparing for a Successful Loan Approval
Commercial lending is largely driven by information.
To begin evaluating financing options, lenders typically request:
Property information
Purchase contract or offering memorandum
Rent roll
Income and expense statements
Personal financial statement
Business and personal tax returns
Bank and asset statements
Providing complete and accurate information upfront helps improve efficiency and reduce delays during underwriting.
Why Work With a Commercial Mortgage Broker?
Commercial financing is not a one-size-fits-all process.
Different lenders have different appetites for property types, loan sizes, borrower profiles, and business plans.
A commercial mortgage broker helps:
Identify appropriate lenders
Compare financing options
Structure transactions
Navigate underwriting
Coordinate third-party reports
Improve execution certainty
Save time and reduce frustration
Rather than approaching lenders individually, borrowers benefit from having an experienced advisor help guide the process from application through closing.
Why Work With Bill Rapp, The Mortgage Viking?
With decades of lending and commercial real estate experience, Bill Rapp helps business owners and investors simplify the financing process while accessing a broad network of lending solutions.
Whether you're purchasing your first commercial property, refinancing an existing asset, expanding your portfolio, or seeking construction financing, you'll receive guidance throughout every stage of the transaction.
Our mission is simple:
Help investors and business owners secure the capital they need to acquire, refinance, develop, and grow commercial real estate assets with confidence.
If you're considering a commercial real estate purchase, refinance, construction project, or business expansion, contact Bill Rapp, The Mortgage Viking, to discuss your financing options and develop a strategy that supports your goals.
🏢 Mortgage Brokers: Add Commercial Lending Without Giving Up Residential Lending 🏠
🏢 Mortgage Brokers: Add Commercial Lending Without Giving Up Residential Lending 🏠
🚀 Residential + Commercial Lending: How Mortgage Brokers Can Build Both Revenue Streams 💰
🏢 How Mortgage Brokers Can Add Commercial Lending Without Abandoning Residential Lending 🏠
For many residential mortgage brokers, commercial lending feels like an entirely different business.
A client mentions buying an office building. An investor needs financing for a multifamily property. A business owner wants to purchase the building they currently lease. A past residential borrower calls about financing a warehouse or retail property.
And too often, the residential mortgage professional's response is:
“I don't do commercial loans.”
That response may be sending valuable relationships—and potential revenue—to someone else.
Commercial lending does not have to replace your residential mortgage business. It can become an additional capability that allows you to serve more of the financing needs already appearing within your existing network.
The central idea is simple:
You don't have to choose between residential and commercial lending. You can build both.
That is the opportunity behind the Bill Rapp – CommLoan Empower Program.
Residential Mortgage Brokers Already Have Transferable Skills
One misconception about entering commercial lending is that residential mortgage professionals have to start from zero.
They don't.
Successful residential originators already understand many of the core disciplines required to originate loans, including prospecting, borrower qualification, financial-document collection, credit analysis, lender communication, relationship management and transaction coordination.
The biggest differences are found in underwriting methodology, terminology, capital sources and loan structure.
Residential lending often focuses heavily on the individual borrower: income, credit, assets, liabilities and debt-to-income ratios.
Commercial real estate lending adds another major component:
The economics of the property itself.
Depending on the transaction, commercial lenders may analyze:
·Net Operating Income (NOI)
·Debt Service Coverage Ratio (DSCR)
·Loan-to-Value (LTV)
·Debt yield
·Occupancy and rent rolls
·Lease expirations and tenant quality
·Property type
·Sponsor liquidity and net worth
·Guarantor strength
·Market conditions
·Exit strategy
Learning these concepts requires work, but an experienced mortgage professional already understands the larger process of converting a borrower's financing objective into a fundable transaction.
Your Existing Database May Already Contain Commercial Opportunities
Commercial lending opportunities don't necessarily require building an entirely new prospecting database.
Consider the people already inside a typical residential mortgage broker's sphere.
Your borrowers may include physicians, dentists, attorneys, contractors, real estate investors, entrepreneurs, franchise owners, landlords and other small-business owners.
Today they may need a home mortgage.
Tomorrow they could need financing for an office building, medical practice, multifamily investment, retail property, warehouse, industrial facility or owner-occupied commercial property.
If you cannot help with that transaction, the client will need another financing relationship.
If you can, you have an opportunity to deepen the relationship.
Commercial Lending Can Increase the Lifetime Value of a Relationship
Mortgage professionals spend enormous amounts of time and money acquiring customers.
Commercial lending provides another way to potentially monetize those relationships over a longer period.
Instead of thinking:
Residential borrower OR commercial borrower
think:
Financial relationship.
The same entrepreneur who refinances a home could later purchase a building for their company.
The investor purchasing a rental house today could eventually acquire a 12-unit apartment property.
The dentist buying a home could decide two years later to purchase the medical office they currently lease.
Being able to recognize those opportunities can make a mortgage professional considerably more valuable to clients and referral partners.
Why More Mortgage Brokers Don't Offer Commercial Loans
The opportunity is straightforward.
Executing commercial transactions is not.
Commercial lending is highly fragmented. There isn't one universal underwriting box.
Banks, credit unions, CMBS lenders, agency lenders, SBA lenders, debt funds, bridge lenders and private lenders can evaluate transactions differently.
A deal that doesn't fit one lender may fit another extremely well.
That creates four major barriers for residential mortgage brokers entering commercial finance:
Knowledge. Capital. Underwriting. Execution.
You need to understand the transaction.
You need access to appropriate lenders.
You need to know how those lenders will underwrite it.
And you need support getting the transaction from initial analysis through closing.
That is where a commercial lending platform and development program can materially shorten the learning curve.
The Role of the CommLoan Empower Program
The Bill Rapp – CommLoan Empower Program is designed around a practical proposition:
Don't abandon the business you've already built. Expand what that business can do.
Rather than asking an experienced mortgage originator to suddenly become a commercial finance expert overnight, the objective is to provide an infrastructure for developing commercial lending capabilities while continuing to originate residential mortgages.
That means learning how to identify opportunities, conduct initial deal analysis, understand commercial terminology, package transactions, evaluate capital options and communicate effectively with borrowers and lenders.
Technology and lender access can help solve another major problem: capital matching.
Commercial lending isn't simply about finding a lender.
It's about finding a lender whose credit box, property appetite, leverage, pricing and structure align with the specific transaction.
What Commercial Lending Could Add to Your Mortgage Business
Adding commercial lending can potentially create several strategic benefits.
You can protect existing relationships instead of immediately referring commercial opportunities outside your business.
You can create an additional revenue stream without abandoning residential production.
You can expand relationships with CPAs, commercial real estate brokers, attorneys, financial advisors, business brokers and other professionals.
And perhaps most importantly, you can become a broader financing resource for the entrepreneurs and investors you already serve.
Start by Learning to Recognize the Opportunity
You don't need to know everything about commercial lending before identifying a commercial financing opportunity.
Start with better questions.
Ask your borrowers:
Do you own your business?
Do you lease or own your business location?
Do you own investment real estate?
Are you considering buying additional properties?
Do you have any commercial loans coming due?
Those questions can uncover opportunities hiding inside relationships you've spent years developing.
Residential Lending Doesn't Have to Be Left Behind
This is the distinction that matters.
Adding commercial lending doesn't mean becoming a former residential mortgage broker.
It means becoming a mortgage professional capable of identifying and participating in a wider range of financing transactions.
Your residential expertise remains valuable.
Your referral relationships remain valuable.
Your customer database remains valuable.
Your origination experience remains valuable.
Commercial lending simply gives you another direction in which those assets can grow.
You Can Build Both
Mortgage professionals already operate relationship-driven businesses.
Commercial lending can be a natural extension of that model.
The challenge is developing the underwriting knowledge, lender access, deal structuring skills and support system necessary to execute commercial transactions effectively.
That's precisely why having the right commercial lending platform matters.
Same relationships. More opportunities.
Same mortgage business. More capabilities.
You don't have to choose between residential and commercial lending.
You can build both.
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Bill Rapp, CCIM
Director | CommLoan
📞 281-222-0433
📧 [email protected]
🌐 https://billrapp.commloan.com/
🌐 https://HoustonCommercialMortgage.com/
Commercial Real Estate Financing Nationwide
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©Bill Rapp, CCIM - Director - CommLoan
Bill Rapp, CCIM
Director | CommLoan
27815 Astoria Brook Lane
Katy, TX 77494
📞 281-222-0433
🌐 https://billrapp.commloan.com/
Nationwide Commercial Real Estate Financing Solutions
Multifamily • Retail • Office • Industrial • SBA • Construction • Bridge Loans
Access to 700+ Lenders | One Platform | Better Financing Solutions
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