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Robby Oakes Mortgage Team
A North Carolina Mortgage Originator Committed
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Serving Chapel Hill, Durham, Raleigh, Greensboro, Wilmington, Charlotte, Morehead City and all of North Carolina.

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Why Retirees Are Taking Out Mortgages on Purpose

August 8, 2025 by Robby Oakes

For generations, the goal was simple, pay off your mortgage before retirement and enjoy your golden years debt-free. But today’s retirees are changing the conversation. More and more, homeowners in or near retirement are choosing to take out a mortgage on purpose, not out of necessity. And for many, it is a smart financial move.

Filed Under: Mortgage Tips Tagged With: Mortgage In Retirement, Retirement Mortgage, Smart Retirement Planning

Your Mortgage Timeline, Backward

August 7, 2025 by Robby Oakes

For many homebuyers, the mortgage process feels like a maze. You know you want to own a home, but the path to get there can feel confusing. So let us try something different. Instead of walking forward through the process, let us walk backward, starting from the moment you get the keys and working our way to where you are now.

Filed Under: Mortgage Tips Tagged With: Closing Day Countdown, Home Loan Steps, Mortgage Timeline

From Divorce to Fresh Starts, the Mortgage Paths No One Talks About

August 6, 2025 by Robby Oakes

When people think about getting a mortgage, the story usually sounds the same, young couple, starter home, perfect timing. But real life does not always follow that script. The truth is, many people come to the mortgage process in the middle of a major life change. Divorce, job loss, rebuilding credit, or starting over later in life, these chapters are real, and so are the mortgage paths that come with them.

Filed Under: Mortgage Tips Tagged With: Life After Divorce, Mortgage Fresh Start, Real Life Home Loans

Why Getting Pre-Approved Feels So Intimidating, and Why It Shouldn’t

August 5, 2025 by Robby Oakes

For many people, the idea of getting pre-approved for a mortgage feels overwhelming. You are asked to hand over personal financial information, trust a stranger with your credit report, and answer questions you may not feel ready to face. It is no wonder some buyers delay this step, even when they are serious about purchasing a home.

Filed Under: Mortgage Tips Tagged With: Home Buying Confidence, Mortgage Pre Approval, Real Estate Journey

What’s Ahead For Mortgage Rates This Week – August 4th, 2025

August 4, 2025 by Robby Oakes

There were several notable releases this last week, with the largest being the PCE Index — the Federal Reserve’s preferred inflation indicator. The PCE Index may be the more accurate indicator going forward, as data collection for the Consumer Price Index has been recently cut, thereby reducing its reliability. As expected, the inflation numbers have been steadily rising with the PCE Index, indicating that impacts from the tariffs are now filtering into prices for both producers and consumers.

As a follow up, Personal Income & Spending has had a light upturn after the initial panic with the tariffs. Lastly, the job numbers from last week have been unexpectedly weak, showing a slow down of the economy overall due to many factors.

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

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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