About Author

ABOUT AUTHOR

Bill Rapp

Bill Rapp is a seasoned commercial real estate broker and finance expert with over a decade of experience helping clients navigate complex property transactions and capital solutions. Based in Houston, Texas, Bill specializes in investment sales, acquisitions, and commercial financing strategies tailored to meet the needs of investors, developers, and business owners. He brings a
unique blend of market insight, negotiation skills, and financial acumen to every deal, consistently delivering value and growth opportunities for his clients. With a deep knowledge of the Houston and Greater Texas markets, Bill
is committed to building long-term relationships and helping clients make smart, strategic decisions in today’s ever-evolving real estate landscape. When
he’s not closing deals or analyzing the next big opportunity, Bill enjoys time with family, outdoor adventures, and giving back to the local community through mentorship and service.If you’d like, I can help write or edit these based on
the book content we’ve built so far.

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🔥 Mortgage Rates Just Hit 2025 Lows — What Homebuyers & Refinancers Should Do Now 💰

📉 Mortgage Rate Trends Today: Why Rates Are at Their Lowest Levels of 2025 🏡

Bill Rapp, Commercial Mortgage Broker

January 03, 2026•2 min read

📉 Mortgage Rate Trends Today: Why Rates Are at Their Lowest Levels of 2025 🏡

🔥 Mortgage Rates Just Hit 2025 Lows — What Homebuyers & Refinancers Should Do Now 💰

Mortgage Rate Trends & What They Mean Now

Mortgage rates are currently sitting at their lowest levels of 2025 in early 2026, and this shift is creating a meaningful window of opportunity for both homebuyers and homeowners considering a refinance.

While rates move daily, the broader trend matters more than any single headline. Right now, that trend is clearly pointing lower — driven by cooling inflation data, shifting Federal Reserve expectations, and ongoing volatility in bond markets.

For borrowers, this is not a “wait and see” environment. It is a prepare and position environment.

Why Mortgage Rates Are Dropping Now

Mortgage rates follow the bond market, not the Federal Reserve directly. Over the past several weeks:

Treasury yields have declined
Inflation data has softened
Markets are pricing in future rate cuts
Investor demand for mortgage-backed securities has increased

The result: lenders are offering better pricing, improved credits, and more competitive refinance options than we’ve seen all year.

What This Means for Homebuyers

If you are actively shopping for a home:

Lower rates increase purchasing power
Monthly payments are more manageable
Sellers are becoming more flexible as inventory builds
Builders are offering stronger incentives tied to financing

A rate dip can be the difference between qualifying comfortably versus stretching — especially in higher price points.

Pre-approval now matters more than perfect timing later.

What This Means for Refinancers

For homeowners who purchased or refinanced in 2023 or early 2024:

Rate-and-term refinances may now make sense
FHA borrowers may benefit from conventional options
Adjustable-rate borrowers can explore fixed-rate security
Cash-out refinances may be viable for debt consolidation

Even a modest rate improvement can generate meaningful monthly savings — especially when paired with term optimization.

The Risk of Waiting

Rate cycles rarely move in straight lines. When demand returns quickly, pricing worsens just as fast.

We’ve seen this movie before:

Rates drop
Applications surge
Lenders reprice
Opportunities shrink

The borrowers who benefit most are the ones who prepare early and lock strategically.

Bottom Line

Mortgage rates are currently at the lowest levels of 2025 — but windows like this do not stay open indefinitely.

Whether you’re buying your first home, moving up, or exploring a refinance, the smartest move is understanding your options before the market shifts again.

At Medallion Funds, we monitor rates daily and structure strategies around market timing — not guesswork.

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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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