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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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What Happens If Your Income Changes Before Closing?

September 9, 2026 by Robby Oakes

Getting approved for a mortgage is an important milestone, but the financial review does not necessarily end once you receive an initial approval. Lenders may verify certain information again before closing, including your employment and income. If your income changes during this period, it could affect your mortgage approval, depending on the circumstances.

Filed Under: Mortgage Tips Tagged With: Home Buyer Tips, Mortgage Approval, Mortgage Tips

What’s Ahead For Mortgage Rates This Week – September 8th, 2026

September 8, 2026 by Robby Oakes

The Non-farm Payroll figures are a strong indicator of the job market and showed a notable increase this quarter. However, this doesn’t necessarily indicate a significant shift in the job market as a whole, as certain sectors have experienced outsized impacts compared to others. JOLTs job openings data does support the increase in openings seen over the last quarter, though it is not among the largest indicators on the broader economic scale.

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

4 Ways to Help Your Mortgage Transaction Close On Time

September 4, 2026 by Robby Oakes

When you’ve finally found the home you’re looking for at the right price, it’s easy to think that the hard part is over; however, there’s still a lot to do in order to ensure your purchase goes through without a hitch. If you’re tying up the loose ends on your home purchase, here are some things you should do to avoid any unnecessary delays.

Filed Under: Home Mortgage Tips Tagged With: Closing Costs, Home Mortgage Tips, Mortgage

Ways That You Can Go Greener On Your Home Improvement

September 3, 2026 by Robby Oakes

Use eco-friendly materials: Consider using materials that are made from sustainable and renewable resources such as bamboo, cork, or recycled materials. These materials not only have a lower impact on the environment but can also add a unique touch to your home.

Filed Under: Around The Home Tagged With: Aroundthe Home, Eco Friendly, Go Green

The Advantages And Disadvantages Of Using Online Mortgage Lenders

September 2, 2026 by Robby Oakes

Using online mortgage lenders can offer several advantages and disadvantages compared to traditional brick-and-mortar lenders. It’s important to weigh these factors based on your individual preferences, needs, and financial situation. Here’s a breakdown of the pros and cons

Filed Under: Home Mortgage Tips Tagged With: Mortgage, Mortgage Lender, Online Mortgage Lending

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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