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Private Credit Default Rate Hit a Record 6.3% — What Homebuyers Should Actually Know

Douglas Wilkerson

Published on: 29/09/2026

Private credit defaults hit a record 6.3% in August 2026, with redemption gates spreading across the industry. Here's what that means for homebuyers — and why your mortgage is a different animal. By Douglas Wilkerson, Mortgage Broker.

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FHA 203(k) in 2026: How Jacksonville Buyers Can Finance a Fixer-Upper — and the Renovation — in One Loan

Douglas Wilkerson

Published on: 23/09/2026

The FHA 203(k) renovation loan lets Jacksonville buyers roll the purchase price and renovation costs into one FHA mortgage with as little as 3.5% down. The 2026 rules, loan limits, costs, and credit requirements — explained as the guidelines read.

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FHA Mortgage Insurance Costs & Exit Strategies 2026

Douglas Wilkerson

Published on: 22/09/2026

FHA MIP in 2026: 1.75% upfront + 0.55%/year (~$157/mo on a $350K home). Less than 10% down? It lasts the life of the loan. Your 3 exit plans explained.

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FHA Loan Requirements in 2026: The First-Time Buyer's Guide to Buying in Jacksonville, FL

Douglas Wilkerson

Published on: 21/09/2026

FHA loan requirements in 2026 explained in plain English: 580 credit score for 3.5% down, DTI rules, and loan limits for Jacksonville, FL. Douglas Wilkerson, mortgage broker with 200 lenders, walks first-time buyers through it.