Mortgage Do's And Don'ts
Mortgages can be tricky, and it's easy to make mistakes that can end up costing you dearly. That's why we've put together this list of Mortgage Do's and Do not's to help you navigate the process with ease - and a little bit of humor.
DO: Shop around for the best mortgage rates
DON'T: Assume your bank will give you the best rate just because you have a checking account there. Remember, loyalty is a two-way street.
DO: Have a budget in mind
DON'T: Get in over your head. Just because you can technically afford a million-dollar mansion doesn't mean you should buy one. You don't want to be house-poor and unable to afford groceries.
DO: Get pre-approved before house-hunting
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DON'T: Assume you'll be approved for a mortgage just because you have good credit. Pre-approval is important because it gives you a better idea of how much house you can afford and shows sellers that you're serious.
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DO: Consider your future plans
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DON'T: Assume you'll live in your new house forever. Life happens, and you may need to sell sooner than you think. Make sure you're not getting into a mortgage that you can't realistically afford if you need to move in a few years.
DO: Get pre-approved before house-hunting
.
DON'T: Assume you'll be approved for a mortgage just because you have good credit. Pre-approval is important because it gives you a better idea of how much house you can afford and shows sellers that you're serious.
.
DO: Consider your future plans
.
DON'T: Assume you'll live in your new house forever. Life happens, and you may need to sell sooner than you think. Make sure you're not getting into a mortgage that you can't realistically afford if you need to move in a few years.
DO: Read the fine print
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DON'T: Sign on the dotted line without reading the terms and conditions. There may be hidden fees or clauses that could come back to haunt you later.
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DO: Be prepared for unexpected expenses
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DON'T: Assume everything will go smoothly. There may be unforeseen expenses, like a leaky roof or a broken furnace, that can quickly drain your savings. Be sure to budget for these types of surprises.
DO: Read the fine print
.
DON'T: Sign on the dotted line without reading the terms and conditions. There may be hidden fees or clauses that could come back to haunt you later.
.
DO: Be prepared for unexpected expenses
.
DON'T: Assume everything will go smoothly. There may be unforeseen expenses, like a leaky roof or a broken furnace, that can quickly drain your savings. Be sure to budget for these types of surprises.
DO: Have a good sense of humor
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DON'T: Take everything too seriously. Yes, buying a house and getting a mortgage can be stressful, but try to find the humor in the situation. After all, laughter is the best medicine for a stressful day.
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By following these Mortgage Do's and Do not's, you'll be well on your way to successfully navigating the mortgage process - with a smile on your face. Good luck, and happy house hunting!
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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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