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Robby Oakes Mortgage Team
A North Carolina Mortgage Originator Committed
to Service and Transparency

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 – January 20th, 2026

January 20, 2026 by Robby Oakes

Inflation reports have shown their cards, and they have come in line with expectations. These newer reports rely on less data from sources overall, which is why the PCE Index remains the Federal Reserve’s preferred inflation indicator–and that distinction is even more relevant now.

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

The Role of A Down Payment: How Much Should I Save?

January 16, 2026 by Robby Oakes

Buying a home, a car, or any significant investment often involves making a down payment. The down payment is a crucial part of the purchasing process, as it can impact your loan terms, interest rates, and monthly payments. But how much should you save for a down payment, and why is it so important?

Filed Under: Home Buyer Tips Tagged With: Down Payment, New Home, Savings

Understanding the Jumbo Mortgage and Why Refinancing is Different

January 15, 2026 by Robby Oakes

So what exactly is a jumbo mortgage? How is it different from a standard mortgage, and what does that mean for your refinancing options? Here’s what you need to know.

Filed Under: Home Buying Tips Tagged With: Home Mortgage Tips, Mortgage Refinancing, Real Estate

Home Security Systems for a Safe Haven

January 14, 2026 by Robby Oakes

Home is where the heart is, and it’s also where you should feel the safest. Ensuring the security of your home has never been more attainable. Home security systems have evolved from simple locks and alarms to sophisticated, interconnected networks that provide round-the-clock protection.

Filed Under: Homeowner Tips Tagged With: Home Safety, Real Estate, Security

You Ask, We Answer: What Are the Pros and Cons of Private Mortgage Insurance?

January 13, 2026 by Robby Oakes

It’s easy to get Private Mortgage Insurance (PMI) confused with homeowners’ insurance, but PMI is an entirely different thing that may or may not be necessary when it comes to your home purchase. If you’re going to be investing in a home in the near future and are wondering what PMI may mean for you, here are some things to consider regarding this type of insurance.

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage, Mortgage Insurance

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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