headshot
headshot
Tim Rapp
VP of Mortgage Lending

I enjoy teaching and advising people about mortgages, including those working with other lenders who may be getting insufficient information. Serving as a VP of Mortgage Lending with Guaranteed Rate allows me to help others maximize their financial future through real estate investing, beginning with home ownership. I take great pride in providing SUPERB CUSTOMER SERVICE and LOW RATES to my clients, particularly Veterans, Investors, and Self-Employed borrowers. My mission is to serve as your TRUSTED MORTGAGE LENDER. Every borrower is unique—we have loan options for almost any scenario. I will always advise you what I would do in your situation…and then aggressively execute your decision. I joined Guaranteed Rate after retiring from the Air Force because of the incredible service I received for my own mortgages. I aim to provide that same experience to you.

My Commitment to You:
Expert, Customer-focused Advice. I will provide advice that puts your interests first. When I issue a Preapproval, you can have high confidence that you're getting a strong approval from a trusted, leading mortgage lender.
Superb Communication. I will keep you and other parties informed throughout the loan process. When you reach out to me, you should never wait more than a day for a response, and typically less than an hour.
Transparency. On the rare occasions where things aren't going well, I will provide you a timely and accurate update and work with you to get back on track.

My Background:
I graduated from the Air Force Academy with a degree in aeronautical engineering. I was privileged to serve in the Air Force for 29 years as a pilot, strategist, and commander; reaching the rank of Colonel. The Air Force gave my family and me the opportunity to live in many places around the country and the world. We happily concluded our career on the beautiful island of Oahu, where we decided to stay
I have always been excited by the opportunities home ownership provides. I bought my first home in 2001, using my VA Home Loan benefit. Since then, I have purchased, refinanced, and sold houses many times for personal and investment purposes. Real estate is a major component of my retirement plan. Like many other things in life, real estate investing seems complicated until you start doing it. Having expert advice for that first purchase is key.
I enjoy sharing information on home-ownership strategies with others. I enjoy planning and strategy in all forms. I love solving problems and figuring out how to maximize benefit. As an instructor pilot, I also learned that I love teaching and advising. Thus, mortgage origination became a natural next step after my Air Force career.
When you're ready to take the first (or next) step in your home ownership journey…or if you just want to share stories and strategies…or if your current lender isn't giving you enough information…let's talk!

Helpful tools and resources
Mortgage calculators logo
Mortgage calculators
Loan options logo
Loan options
Home valuation logo
Home valuation
Market research logo
Market research

Recent reviews

What people are saying
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Marcus by Goldman Sachs
Consolidate your debt and potentially lower your interest rates
loading rates table

Today's rates

Loan typeRateAPR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I'll answer your questions and guide you through the process!