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

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What’s Ahead For Mortgage Rates This Week – March 2nd, 2026

March 2, 2026 by Robby Oakes

The release schedules of both the PPI and CPI have landed in the same week, but recently they have been shifted off kilter, with the PPI set to release the prior week. Limited information from the Core PPI–which came in higher than expected–was released, with the full data release delayed and likely to be published alongside the CPI data. Outside of these two releases, the unemployment data that was set to be released this week has also been delayed and is now due next week. This leaves Consumer Confidence as the only major release, which broke a six-month downtrend, showing a more positive reception this time around.

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

The Real Cost of Private Mortgage Insurance and How to Remove It

February 27, 2026 by Robby Oakes

Private mortgage insurance allows borrowers to purchase a home with less than twenty percent down. While it increases accessibility, it also increases monthly housing costs. Many borrowers accept mortgage insurance without fully understanding how it affects total loan expense or how it can eventually be removed. Clarity around cost and timeline creates stronger financial positioning.

Filed Under: Mortgage Tagged With: Equity Growth, Mortgage Costs, Private Mortgage Insurance

Designing a Home That Reduces Financial Stress

February 26, 2026 by Robby Oakes

Financial stress does not come only from high payments. It often comes from poor planning, unrealistic expectations, and lack of reserves. A well-chosen home should strengthen financial stability, not weaken it. Designing your approach before you purchase can make ownership feel secure instead of overwhelming. Mortgage decisions should prioritize sustainability over maximum borrowing power.

Filed Under: Mortgage Tips Tagged With: Financial Wellness, Home Stability, Smart Borrowing

How Adjustable-Rate Mortgages Work and When They Make Sense

February 25, 2026 by Robby Oakes

Adjustable-rate mortgages often create hesitation because borrowers focus on the word adjustable. However, these loans can serve a strategic purpose when aligned with specific financial timelines. An adjustable-rate mortgage typically offers a fixed introductory period followed by periodic rate adjustments based on market indexes. Understanding how these loans are structured helps borrowers determine whether the flexibility outweighs potential variability.

Filed Under: Mortgage Tagged With: Adjustable Rate Mortgage, Loan Strategy, Mortgage Planning

Why Your Morning Routine Matters More Than Your Mortgage Rate

February 24, 2026 by Robby Oakes

Interest rates get headlines. Payment amounts get attention. Yet neither one determines whether your mortgage will feel sustainable five years from now. What truly determines long-term satisfaction is how your financing decision supports your daily routine.

Filed Under: Mortgage Tagged With: Long-Term Stability, Mortgage Strategy, Payment Planning

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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