Tips on How to Improve Your Credit Score
Hey folks, it's time to get real about your credit score. If you're anything like me, you probably don't pay much attention to it until it's time to apply for a loan or credit card. But did you know that your credit score can make or break your ability to obtain a mortgage loan?
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When you apply for a mortgage loan, lenders take a close look at your credit score and credit history. They want to know if you're a responsible borrower who will pay back the loan on time and in full. A good credit score can help you qualify for a mortgage loan with a lower interest rate and better terms, while a poor credit score can make it more difficult to get approved and result in higher interest rates and less favorable terms.
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In short, your credit score is one of the most important factors that lenders consider when deciding whether to approve you for a mortgage loan. By taking steps to improve your credit score, you can increase your chances of getting approved for a loan with better terms and save yourself thousands of dollars in the process.
1. Check your credit report regularly
This is a no-brainer, but it's worth repeating. Make sure to check your credit report for any errors or fraudulent activity. You can get a free credit report from each of the three major credit bureaus every year, so take advantage of it.
2. Pay your bills on time
This one seems obvious, but it's worth emphasizing. Late payments can have a big impact on your credit score, so set up automatic payments or reminders to make sure you're always on time.
3. Lower your credit utilization ratio
Your credit utilization ratio is the amount of credit you're using compared to your credit limit. Aim to keep your utilization ratio under 30% to improve your score.
1. Check your credit report regularly
This is a no-brainer, but it's worth repeating. Make sure to check your credit report for any errors or fraudulent activity. You can get a free credit report from each of the three major credit bureaus every year, so take advantage of it.
2. Pay your bills
on time
This one seems obvious, but it's worth emphasizing. Late payments can have a big impact on your credit score, so set up automatic payments or reminders to make sure you're always on time.
3. Lower your credit utilization ratio
Your credit utilization ratio is the amount of credit you're using compared to your credit limit. Aim to keep your utilization ratio under 30% to improve your score.
4. Increase your credit limit
If you're struggling to keep your credit utilization ratio low, consider asking for a credit limit increase. Just make sure not to use the extra credit as an excuse to spend more.
5. Diversify your credit
Having a mix of credit types (like a credit card, auto loan, and mortgage) can improve your credit score. But don't open new accounts just to add diversity - only take on credit that you actually need and can handle responsibly.
4. Increase your
credit limit
If you're struggling to keep your credit utilization ratio low, consider asking for a credit limit increase. Just make sure not to use the extra credit as an excuse to spend more.
5. Diversify your credit
Having a mix of credit types (like a credit card, auto loan, and mortgage) can improve your credit score. But don't open new accounts just to add diversity - only take on credit that you actually need and can handle responsibly.
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š¼ Debt Funds Are Redefining CRE Distress in 2026 šā”ļøš
š¼ Debt Funds Are Redefining CRE Distress in 2026 šā”ļøš
šļø Why CRE Distress Isnāt Triggering Fire Sales Anymore š°
Debt Funds and the New Shape of CRE Distress
Commercial real estate distress in the current cycle looks nothing like the aftermath of the Global Financial Crisis. While headlines continue to focus on rising defaults and valuation resets, the data tells a very different story: forced asset sales remain historically low. The primary reason is structuralāprivate debt funds, especially those active in mezzanine lending, have fundamentally reshaped how distress is absorbed and resolved in a positive way.
Distressed Sales Are Historically Muted
Following the Global Financial Crisis, distressed assets represented nearly 20 percent of all commercial property sales by 2010. By comparison, distressed transactions accounted for only about 3 percent of total sales by mid-2025. Even with rising maturity defaults, property values have declined roughly 10 percent this cycleāfar less severe than the 23 percent year-over-year correction seen in 2009. Without deep equity impairment, widespread liquidation pressure has simply not materialized.
Private Debt Funds Have Rewritten the Capital Stack
Post-GFC regulatory changes, including HVCRE requirements, significantly reduced banksā willingness to hold higher-risk construction, bridge, and transitional loans. That void has been filled aggressively by private debt funds. Institutional capital has flowed into these vehicles at scale, giving them flexibility to price risk, structure creatively, and operate across senior, mezzanine, and preferred equity positions.
Market data tracked by MSCI shows a strong correlation between rising dry powder and increased lending activity from these investor-driven lenders. Rather than pulling back during volatility, debt funds have leaned ināproviding rescue capital and extension financing that prevents assets from being pushed into forced sales.
Distress Is Concentrated Higher in the Capital Stack
The stress in this cycle is not primarily at the asset levelāit is higher in the capital stack. Senior debt performance has remained relatively stable, with income accounting for more than 100 percent of total returns between 2020 and 2025. Mezzanine debt, by contrast, has absorbed significantly more pressure. Losses have pushed income returns above 200 percent, signaling that subordinated capitalānot property fundamentalsāis where distress is being realized.
Mezzanine Capital Is Reshaping Workouts
Rather than defaulting directly into foreclosure, many sponsors are turning to mezzanine lenders to inject capital and extend runway. These lenders often gain control rights upon default, allowing them to influence recapitalizations, restructures, or sponsor transitions more efficiently. The result is faster resolution, fewer legal delays, and a controlled workout process that preserves asset value.
What This Means for Investors and Borrowers
The modern CRE distress cycle is being resolved through capital restructuring, not mass liquidation. For investors seeking exposure to distress, mezzanine positions often provide faster access to value with greater control and fewer headline risks than traditional foreclosure strategies. For borrowers, understanding the evolving role of debt funds is critical when navigating refinances, extensions, or recapitalizations.
Bottom line: CRE distress hasnāt disappearedāit has moved up the stack. And debt funds are now the primary shock absorbers.
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Ā© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory
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Refinancing youe loan and when to do it
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Copyright Ā©2021 | Mortgage Viking Team
Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright Ā© 2021 | Medallion Funds
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014
Corporate NMLS NMLS # 1825831 | Company Website: https://medallionfunds.com/bill-rapp/
Copyright Ā©2021 | Mortgage Viking Team Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014 https://medallionfunds.com/bill-rapp/