"Brokers are better. Better pricing, and better service!"

Bill Rapp, Mortgage Broker: NMLS 228246

Licensed in CA, CO, FL, GA, LA, TX, & VA

Call today: 281-222-0433




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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

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

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

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

 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 e

xperience to date!"

Gabe & Chelsea Jackson - Pearland, TX

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

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 was superb! This was our second home buying experience, and after the process through our bank for the first home (IT WAS A TOTAL NIGHTMARE!) we were very hesitant about buying a second home. BUT Bill was there to make this home buying experience phenomenal! It was so easy! We will definitely be faithful customers.

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

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

Manufactured Housing Specialist

Finally, a one stop shop to explain the never ending question: what’s the difference between a mobile, manufactured and modular home?

When it comes to off-site built housing, I’m sure you’ve heard several terms thrown around but, what exactly do they mean? Aren’t all homes built in a facility the same? The short answer to that question is a definite no. The longer, more interesting answer will show you exactly why these homes are in a category of their own. So, let’s dive in!

When it comes to classifying a home, deciphering between the terms mobile, manufactured and modular is often confusing. Visually, manufactured and modular homes don’t appear that different, and both are often mistaken as site-built homes. But, prefabricated homes differ depending on the codes they follow.

That’s right, the code is the key! A prefabricated home, or prefab home, is a term used to describe any building or dwelling that is manufactured off-site in a home building facility, and then transported to the home or building site.

Although they are built to local, state and regional codes, modular homes are even technically “manufactured” in a home building facility. Some say a “mobile home” and a “manufactured home” are essentially the same thing. If that’s the case, then what’s the difference?

Mobile Homes

The terms “mobile home” and “manufactured home” are often used by the general public to describe the same type of home. Mobile homes and manufactured homes were finally distinguished from each other in 1974 when the National Mobile Home Construction and Safety Act was passed. This act, was followed in 1976 by the HUD Manufactured Home Construction and Safety Standards, usually called ‘the HUD Code,’ which set standards for the following: • Design and construction • Body and frame requirements • Thermal protection • Plumbing and electrical • Fire safety • Energy efficiency And other aspects within these homes!

The intent of the HUD Code is to improve the durability and quality of manufactured homes, and it is the only federally-regulated national building code.

Prior to 1976, mobile homes, often referred to as trailer homes, were mass produced due to the demand for affordable, mobile housing by the American public, but had very little oversight of the building specifications. In the early 1900s, people found that they needed to be able to move to wherever jobs were available in order to provide for their families, and so the mobile home as we think of it was born. The structural designs of these mobile homes resembled what we might think of as a modern-day camper with an exposed trailer coupler and wheels making the home easily movable. The home itself was generally built on steel I-beams which ran from end-to-end and could be set up on concrete blocks, wooden blocks, metal stands or a concrete foundation at the desired location.

During World War II, mobile homes were bought by factories and used as temporary housing for workers who had to travel a far distance to aid in the war effort. When the war ended, affordable housing was in short supply for the veterans returning to the U.S., so the mobile home industry provided a quick and cost-efficient solution.

In the 1960s, the public demand expanded from mobility and affordability, to looking for larger trailers or mobile homes with more amenities. The new mobile homes were bigger and started to look more like traditional homes while still being cost efficient and mobile. In 1974 Congress passed the National Mobile Home Construction and Safety Standards Act, which were soon followed by the HUD Code. The HUD Code went into effect in 1976, and the Housing Act of 1980 mandated that the term “manufactured” be used in place of “mobile” in all federal laws and literature that referenced homes built after 1976. The new terminology gave rise to an advance era of homes due to these homes being built to new safety standards.

Manufactured Homes

Modern manufactured homes are extremely different than the mobile homes built prior to 1976. Manufactured homes are generally built in three standard sizes—single wide, double wide and triple wide. They are built entirely inside home building facilities that are climate controlled to avoid weather delays and almost always have lots of customizable options such as types of flooring, cabinetry and exterior finish, just to name a few. 

If the home is placed on blocks or metal piers, skirting can be added to customize the home to your liking. Manufactured homes can also be placed on a permanent foundation or on a basement—just like a site-built home. Manufactured homes can usually be relocated, however, will probably require the help of a contractor that specializes in manufactured home set up and delivery.

Modular Homes

Like a manufactured home or a mobile home, the sections of a modular home are built in a climate-controlled home building facility. Modular homes are built to conform to all state, local and/or regional codes that apply based on the final location of the home—just like site-built homes. Modular homes are typically built in two sections, however, depending on the size and design of the home, it could be built in up to five sections.

The sections are then transported to the final location where they are joined together on a permanent foundation by a local contractor. If an inspection is required, once the home is completely constructed at the site local building inspectors complete the required inspection of the home.

Call Bill Rapp, The Mortgage Viking, today to discuss your options 281-222-0433.

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Bill Rapp, Loan Officer

Nexa Mortgage LLC

3100 W Ray Road #201 Office #209

Chandler, AZ 85226

NMLS 1660690


AZMB - 0944059