Douglas Wilkerson

Do You Have to Pay Off Collections to Get a Mortgage in 2026? The Real Rules for FHA, VA, and Conventional Loans

Douglas Wilkerson

Published on: 02/10/2026

Do you have to pay off collections before buying a home? The real 2026 rules: FHA's $2,000 threshold, VA's quiet new collection math, and when conventional loans let you leave them unpaid.

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Rent vs. Buy in Jacksonville at 7% Mortgage Rates: The Honest 2026 Math

Douglas Wilkerson

Published on: 26/09/2026

Mortgage rates just crossed 7%. Is renting smarter than buying in Jacksonville right now? A mortgage broker breaks down the honest 2026 math.

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What is going on with Mortgage rates!!??

Douglas Wilkerson

Published on: 25/09/2026

Mortgage rates just broke above 7% for the first time in 20 months and the 10-year Treasury smashed through 5%. A mortgage broker explains sell-offs, the 10-year, what to watch, and what buyers should actually do — in plain English.