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Tim Rapp

Branch Manager

NMLS#: 2009925
Phone: (808) 381-8962
Email: tim@mybploan.com

Location: Aiea, Hawaii

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I enjoy advising and assisting people for mortgages, particularly veterans and investors.  Serving as a Mortgage Originator with BluPrint Home Loans allows me to help others maximize their financial future through real estate investing, beginning with personal home ownership.  I take great pride in providing superb customer service and very low rates to my clients. My mission is to serve as your trusted loan adviser. Every borrower is unique—we have loan options for almost any scenario. I will always advise you what I would do in your situation.

My Commitment to You:

  • Expert, customer-focused advice. I will provide advice that puts your interests first
  • Rock-solid preapprovals. When I issue a preapproval, you can be sure the loan will close.
  • Superb communication. I will keep you and other parties informed throughout the loan process. You should never wait more than a day for a response from me, and typically less than an hour.
  • Transparency. I will provide accurate and clear fee estimates; if fees change, I will let you know exactly how, when, and why.

 

My Background: 

  • Graduated from the Air Force Academy with a degree in aeronautical engineering
  • Served for 29 years as an Air Force pilot, strategist, and commander; retired as a Colonel
  • Grew up mostly in California; lived all around the country and the world; Oahu since 2017
  • Mortgage Lender since 2020…tons of experience with VA loans and investment purchases
  • Real estate investor since 2001, beginning with my VA loan

When you’re ready to take the first (or next) step in your home ownership journey, or if your current lender isn’t giving you enough information, or if you just want to share stories and strategies…let’s talk!

Testimonials

The Reviews Are In...

5 out of 5

Experience.com Star Rating

Tim is very responsive and provided excellent customer service. He was very kind in sharing his knowlege and expertise. I will highly recommend him to my friends, family and colleagues.

Cynthia Judith Wainwright

Honolulu, HI

5 out of 5

Experience.com Star Rating

Tim is awesome! Will definately be using him again in the future, and will definately pass the info along to others in search of assisstance!

Anthony Le Vaughn Jones Jr.

Honolulu, HI

5 out of 5

Experience.com Star Rating

Tim was incredibly responsive. Always happy to help and explain any and everything we had questions about. Truly felt like he had our best interest in mind. Which was greatly appreciated. We would absolutely work with Tim again and recommend him to any family and friends.

Luke Adam Keehn

Honolulu, HI

5 out of 5

Experience.com Star Rating

I was referred to Tim and a few other people. As I contacted everyone, Tim answered immediately and gave me his undivided attention. I’m a first time homeowner, so he relayed info in ways that I could digest. He was professional, easy to talk to and extremely intelligent with “running the numbers.” I consider myself lucky and will refer him and his team to friends and family in the future.

Brett Harris

Honolulu, HI

5 out of 5

Experience.com Star Rating

I was referred to Tim and a few other people. As I contacted everyone, Tim answered immediately and gave me his undivided attention. I’m a first time homeowner, so he relayed info in ways that I could digest. He was professional, easy to talk to and extremely intelligent with “running the numbers.” I consider myself lucky and will refer him and his team to friends and family in the future.

Brett Evan Harris

Honolulu, HI

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BluPrint Home Loans is a Division of NFM, Inc. dba NFM Lending, NFM NMLS #2893. NFM is an Equal Housing Lender. Some products and services may not be available in all states. Licensing and disclosure information can be found at https://nfmlending.com/licensing/

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© 2025 NFM Lending, LLC dba BluPrint Home Loans. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending. www.nfmlending.com. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Equal housing lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Qualifying credit score needed for conventional loans. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. The pre-approval may be issued before or after a home is found. A pre-approval is an initial verification that the buyer has the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents, verified assets, submitted the file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The pre-approval is contingent upon no changes to financials and property approval/appraisal. For Arizona originators: AZ# BK-0934973. In Alaska, business will only be conducted under NFM Lending and not any of our affiliate sites.