Welcome back to KPA Wealth. — Mortgage panic is back in the headlines—but the actual data tells a calmer story. We’ll break down what’s really going on in delinquencies and foreclosures and why it’s more of a flicker than a fire—for now. Meanwhile, crypto might just be propping up the U.S. bond market in ways few are watching.

Also Today:

– Why stablecoins are becoming trillion-dollar buyers of U.S. Treasuries
– Claude vs. ChatGPT: Which AI assistant is better for serious work?
– The nuclear energy bet Big Tech is making and why uranium might still be early
– A quick look at today’s mortgage rates

• Mortgage Delinquencies & Foreclosures: Flash Point or False Alarm?

• Crypto-Backed Treasuries: Quietly Redefining U.S. Debt Markets

• Why Claude Beats ChatGPT for Business Workflows

• Why Uranium Is a Winning Long-Term Investment in the AI Era

• Today’s Mortgage Rates

Mortgage Delinquencies & Foreclosures: Flash Point or False Alarm?

Mortgage delinquency headlines often sound alarming, but a deeper dive reveals a stable market. Q1 2025 data from MBA shows delinquencies rising slightly to 4.04%—the 30-day delinquency rate is now 2.14%, while more serious 90+ day delinquencies dropped to 1.17%. Foreclosure filings are still rare, with just 0.49% of loans in process.

That said, foreclosure activity is rising incrementally. ATTOM reports 68,794 homes entered foreclosure in Q1, up 14% quarter-over-quarter, though slightly down year-over-year. May saw starts begin to tick down month-over-month, but remain 9% higher year-over-year; completed foreclosures (REOs) are up 7%.

Personal take: I’m watching two trends. First, FHA and VA loan delinquencies—especially among first-time buyers, are climbing, signaling crowding at the margins. Second, climate-driven stress in some regions (like flood zones triggering “zombie foreclosures”) could pop up unexpectedly. Bottom line: delinquency is rising modestly, not tumbling into crisis.

Crypto-Backed Treasuries: Quietly Redefining U.S. Debt Markets

While mortgage-risk noise grabs eyeballs, crypto is laying a silent foundation under Treasury demand. The $240 billion stablecoin market now holds nearly $200 billion in short-duration U.S. Treasuries and analysts expect that to balloon to $2 trillion in the next few years . That could translate into a $1.6 trillion long-term boost to Treasury holdings.

Why this matters: The U.S. needs reliable buyers to absorb rising debt. Stablecoin-driven liquidity could help finance new Treasury issuance—especially short maturity bonds—without upsetting rates. I'm personally intrigued by stablecoins operating like mini-money market funds, and what this means for yield curve dynamics and Fed funding strategies. Crypto isn't just a bubble. It could be the plumbing behind the next era of bond markets.

Why Claude Beats ChatGPT for Business Workflows

Claude is hands-down the better fit for serious business work. Don’t get me wrong, ChatGPT is a great all-around tool, especially if you’re into image or video generation. But if your work revolves around writing, analysis, or coding, Claude just gets it. Its responses are more natural, its editing feels intuitive, and it doesn’t default to AI clichés like “let’s dive in” every five minutes.

What really sold me was Claude’s Artifacts feature. It lets you see code, charts, or documents in real time, right inside the chat. It’s like having a built-in dev and content editor in one place. Plus, Claude keeps track of more context (up to 500,000 tokens), which means fewer repeated instructions and more meaningful conversations.

I still use ChatGPT when I need images or quick summaries, but for deep work—long-form writing, coding, or complex analysis, Claude consistently performs better. If you care about tone, clarity, and output that feels less robotic and more professional, Claude wins.

TLDR: For businesses and creators who rely on text and code, Claude is the smarter, smoother option.

Here is Claude’s site!

Why Uranium Is a Winning Long-Term Investment in the AI Era

Investing in uranium isn’t just about betting on nuclear—it’s about tapping into the AI-driven energy boom. As artificial intelligence continues to scale, major tech giants are making big moves into nuclear. Google recently signed deals to buy 200 MW from Commonwealth Fusion Systems, Microsoft is reviving the Three Mile Island plant to power its AI demands, and Meta secured a 20-year nuclear contract for 1.1 GW to fuel its data centers.

All signs point to uranium demand rising steadily. Yes, uranium stocks are already up significantly this year, but that doesn’t mean the opportunity has passed. If you’re thinking on a 5+ year timeline, the runway is still long. Supply remains tight, and building new nuclear infrastructure takes years—meaning we’re still early in the cycle.

Personally, I’m bullish. With the rise of AI-powered data centers, clean and reliable baseload energy is a must—and uranium is the linchpin. As global policy shifts toward carbon neutrality and energy security, nuclear energy is gaining traction fast.

In a world racing to power AI sustainably, uranium isn’t just relevant—it’s essential. This is a long-term play that still has plenty of upside.

Maybe look at investing in the uranium sector as a whole by using ETFs like URNM or URA.

🏠 Today’s Mortgage Rates

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Kyle Allgair
CEO of KPA Wealth
📞 (279) 977-8149 | ✉️ [email protected]
🌐 KPAhomeloans.com

Kyle Allgair is the CEO of KPA Wealth, and is continuously helping clients build wealth through real estate and strategic financial planning. Contact him for personalized advice on achieving your financial goals.