Market Updates

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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Housing Market Frozen, Not Broken: The Real Story Behind 7% Mortgage Rates

Douglas Wilkerson

Published on: 29/09/2026

Mortgage rates above 7% have frozen home sales — but not broken them. With $34.1 trillion in equity, fixed-rate mortgages, and delinquencies near historic lows, this is a volume problem, not a credit problem.

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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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