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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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Artificial Intelligence and the Future of Mortgage Decisions

August 29, 2025 by Robby Oakes

Artificial intelligence is transforming the mortgage industry. Lenders now use AI to analyze applications, assess risk, and make decisions faster than ever. This technology helps streamline underwriting, reduces human error, and allows mortgage originators to focus on providing personalized guidance. AI is not replacing professionals but enhancing their ability to serve clients efficiently and accurately.

Filed Under: Mortgage Tips Tagged With: All In Mortgages, Mortgage Originator, Smart Borrowing

How Emotions Shape Your Mortgage Decisions

August 28, 2025 by Robby Oakes

When it comes to money, emotions play a big role. Many home buyers get caught up in excitement, fear of missing out, or the desire to impress others. These feelings can influence mortgage choices, leading to decisions that might not align with long-term financial goals. Recognizing emotional triggers is the first step to making smarter choices.

Filed Under: Mortgage Tips Tagged With: Build Wealth, Financial Planning, Home Buying Tips

Is Homeownership Still the American Dream?

August 27, 2025 by Robby Oakes

Buying a home is more than a place to live, it is a path to financial growth, every mortgage payment builds equity, giving homeowners a valuable asset over time, unlike renting where monthly payments go to a landlord, homeowners are investing in their future, with the right mortgage strategy, owning a home can be one of the smartest financial moves you make.

Filed Under: Home Buyer Tips Tagged With: American Dream, Homeownership, Mortgages

Mortgages for Remote Workers Who Want Dual Residences

August 26, 2025 by Robby Oakes

Remote work has transformed the way people live and plan their financial futures. Instead of being tied to one city, many professionals now choose to split their time between two homes. Some want the excitement of an urban condo while keeping a peaceful retreat in the mountains or at the beach. Others need to balance family life in one state with work opportunities in another. As this trend grows, understanding mortgage options for dual residences has become essential.

Filed Under: Mortgage Tips Tagged With: Mortgages, Real Estate, Remote Work

What’s Ahead For Mortgage Rates This Week – August 25th, 2025

August 25, 2025 by Robby Oakes

The FOMC meeting that was held the previous week to discuss upcoming decisions addressed the future of the economic landscape.

During his remarks, Jerome Powell stated that inflation will rise in the future, with consumers bearing the burden. Many have speculated that this means reductions in current rates are unlikely to happen anytime soon, in an attempt to keep inflation under control.

Another notable release was the leading economic indicators, which once again showed contraction–signaling the potential for further economic decline.

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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