Douglas Wilkerson

FHA Is Rewriting Its Property Rules for the First Time in 20+ Years — What Buyers Need to Know

Douglas Wilkerson

Published on: 06/10/2026

FHA proposed the first rewrite of its minimum property requirements in 20+ years: no more appliance inspections, no crawl-space visits, and a C4 condition floor. Here's what's changing, what isn't, and what to do.

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Regional Bank Failures and Your Mortgage: What Really Happens to Your Loan If Your Bank Fails

Douglas Wilkerson

Published on: 29/09/2026

Six small banks have failed in 2026. If yours is next, here's the steady-hand truth: your mortgage rate, balance, and terms don't change — your loan transfers to a new servicer. A mortgage broker explains.

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Commercial Real Estate Delinquency Is at Record Highs — What It Actually Means for Homebuyers

Douglas Wilkerson

Published on: 29/09/2026

Office CMBS delinquency hit a record 13.2% in August 2026 as commercial real estate faces a refinancing wall. Mortgage Broker Douglas Wilkerson breaks down what CRE distress means for homebuyers — calmly, with the numbers.

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The Best Time to Buy a House Is When No One Else Is Buying

Douglas Wilkerson

Published on: 28/09/2026

Sellers who listed in July and August are sitting — some carrying two mortgages. Q4 is when they deal: price cuts, seller-paid closing costs, permanent buydowns. Why the best time to buy is when no one else is buying.

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