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Creative Ways to Use Rent-to-Own Agreements to Buy a Home

July 10, 2025 by Robby Oakes

A rent-to-own agreement is a contract that allows a tenant to rent a home with the option to buy it later. Part of the monthly rent payment typically goes toward the future down payment or purchase price. This approach can be ideal for buyers who need more time to improve their credit, save money, or get financially ready for homeownership. It blends the flexibility of renting with the long-term goal of owning.

Filed Under: Home Buyer Tips Tagged With: First-Time Home Buyer, Home Buying Tips, Rent-to-Own Agreements

The Psychology of Homebuying and Emotions vs. Financial Logic

July 9, 2025 by Robby Oakes

Buying a home is not just a financial decision, it is an emotional one too. For many people, homeownership represents stability, success, and personal freedom. Whether it is the excitement of finding your dream kitchen or imagining holidays with family, emotions naturally come into play. These feelings can create a strong connection to a property and often influence the decisions buyers make, sometimes even more than logic does.

Filed Under: Home Buyer Tips Tagged With: Emotions vs Logic, First-Time Home Buyer, Home Buying Tips

How to Finance Energy-Efficient Home Improvements with a Mortgage

July 8, 2025 by Robby Oakes

As more homeowners look for ways to reduce utility bills and make their homes environmentally friendly, energy-efficient improvements have become a smart investment. The good news is that you do not need to pay out of pocket for all the upgrades at once. There are mortgage financing options that allow you to make energy-efficient improvements while also making your home more comfortable and affordable in the long run.

Filed Under: Mortgage Tagged With: Energy Efficiency, Green Mortgage, Home Upgrades

What’s Ahead For Mortgage Rates This Week – July 7th, 2025

July 7, 2025 by Robby Oakes

With next week featuring both the CPI and PPI reports, the release schedule for this upcoming week will be extremely light. This previous week featured a small number of notable data releases. First being the trade deficit which has shown a sharp decline due to the tariff policies, but has increased again with the pause on tariffs. The manufacturing sector has seen growth as well with the PMI Manufacturing data, but inflation also proves to have grown just as much. Lastly, employment numbers have shown a stronger than expected labor market, but there are still expectations that things will cool further.

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Reflecting on the Meaning of Independence Day

July 4, 2025 by Robby Oakes

As Americans prepare to celebrate the Fourth of July, it is important to reflect on the core values that define our nation: freedom, opportunity, and the pursuit of a better life. These same ideals continue to inspire individuals and families across the country to pursue homeownership, which remains a foundational part of financial independence and long-term security.

Filed Under: Mortgage Tagged With: American Dream, Financial Freedom, Independence Day

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Robby Oakes


Robby Oakes

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NMLS# 91606

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