concessions

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 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.

Florida Condos Are Sitting: When Buying One Actually Makes Financial Sense | Freeman Douglas

Douglas Wilkerson

Published on: 15/09/2026

Florida condos have substantially more inventory than single-family homes in 2026, while sales are beginning to rise. Learn how to determine whether a condo is a primary home, rental investment, second home—or a financial trap.

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