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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 – April 27th, 2026

April 27, 2026 by Robby Oakes

A relatively light week given recent events, with the only notable releases being Consumer Sentiment and Retail Sales. Consumer Sentiment has broken its recent downtrend, ticking up slightly. However, in the face of rising gas prices and increasing costs of living, this may shift in the next release. Retail Sales have also shown a positive uptick, indicating that the economy remains resilient despite ongoing global events.

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

VA Construction Loans: What You Need to Know Before You Build

April 24, 2026 by Robby Oakes

Building your dream home from the ground up? If you’re a veteran, active-duty service member, or eligible military spouse, a VA construction loan could make that process a lot more accessible.

Filed Under: Mortgage Tips Tagged With: Construction Loans, Mortgages, VA Loans

3 Ways a Reverse Mortgage Can Reshape Your Retirement

April 23, 2026 by Robby Oakes

Retirement is meant to be a time of freedom–not financial stress. But for many homeowners, a large portion of their wealth is tied up in their home, not easily accessible when it’s needed most.

That’s where a reverse mortgage–also known as a Home Equity Conversion Mortgage (HECM)–can come into play. When used thoughtfully, it can be a powerful tool to help create more stability, flexibility, and peace of mind in retirement.

Filed Under: Mortgage Tips Tagged With: Mortgage Tips, Retirement, Reverse Mortgages

Homeowners Insurance: How Much Coverage Do You Really Need?

April 22, 2026 by Robby Oakes

Buying a home is a big deal–and protecting it properly matters just as much as purchasing it in the first place.

Homeowners insurance isn’t just a box to check. It’s what stands between you and a potentially massive financial hit if something unexpected happens. The tricky part? Figuring out how much coverage is actually enough.

Filed Under: Mortgage Tagged With: Home Buyer Tips, Homeowner's Insurance, Mortgages

Building Your Dream Home? Here’s Why Construction-to-Permanent Loans Are Worth a Look

April 21, 2026 by Robby Oakes

Starting a home build is exciting–equal parts vision board and “wait, how do we pay for all of this?” moment. The financing side can get complicated fast, especially when construction and long-term mortgage needs overlap.

That’s where construction-to-permanent loans step in. They’re designed to simplify the process and give you more control from day one through move-in day.

Filed Under: Mortgage Tagged With: Construction-to-Permanent, Dream Home, Mortgages

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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