Douglas Wilkerson

VA Loans in a 7% World: The 2026 Playbook for Veterans Who Want to Win on Rate, Cost, and Terms

Douglas Wilkerson

Published on: 27/09/2026

Mortgage rates just crossed 7% — but VA buyers are still closing near 6.94%. The 2026 VA loan playbook: funding fee math, the no-PMI advantage, zero down up to $832,750, and the actual VA guidelines.

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FHA loan limit Duval County

Douglas Wilkerson

Published on: 27/09/2026

Jacksonville's 2026 FHA loan limit is $580,750 for a single-family home. Here is the real down payment math, the MIP costs, and the actual 500/580 credit score rules — not the overlays most lenders quote.

FHA loan limits 2026 Jacksonville

You're Not Going to Want to Hear This: The Truth About First-Time Homebuyer Down Payment Assistance

Douglas Wilkerson

Published on: 26/09/2026

The truth about first-time homebuyer down payment assistance: 7.25-8% rates, a second mortgage that's never forgiven, and the $35,000 marketing vs. the $16,000 reality. Read this before you sign.

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