FHA Loans

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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Buy a Duplex, Triplex, or Fourplex With 3.5% Down: FHA House Hacking and the Self-Sufficiency Test, Explained

Douglas Wilkerson

Published on: 04/10/2026

Buy a duplex, triplex, or fourplex with 3.5% down using an FHA loan. The 2026 rules: the self-sufficiency test that kills most triplex deals, the 75% rental-income math, reserves, and real Jacksonville numbers.

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How to Assume an FHA Loan in 2026: The Buyer's Guide to Taking Over a 3% Mortgage in a 7% World

Douglas Wilkerson

Published on: 01/10/2026

Every FHA loan is assumable — meaning you can take over a seller's 3-4% mortgage instead of borrowing at 7%+. Here's the real 2026 process, the equity gap math, and when assumption beats a new loan.

FHA assumable mortgage

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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