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

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The Financial Benefits of Staying in Your Home Long-Term

August 13, 2026 by Robby Oakes

Moving can be the right choice when your lifestyle, employment, or family needs change. However, remaining in a home for a longer period can also offer meaningful financial advantages. Understanding those benefits can help homeowners evaluate whether staying put supports their goals better than purchasing another property.

Filed Under: Mortgage Tips Tagged With: Financial Planning, Home Equity, Mortgage Tips

Understanding Mortgage Servicing After Closing

August 12, 2026 by Robby Oakes

Closing day marks the end of the home-buying transaction, but it also begins the long-term process of managing your mortgage. After closing, a mortgage servicer becomes responsible for collecting payments, maintaining account records, managing escrow when applicable, and answering questions about your loan. Understanding the servicer’s role can help you avoid confusion and manage your mortgage with confidence.

Filed Under: Mortgage Tips Tagged With: Homeownership, Mortgage Servicing, Mortgage Tips

How Your Mortgage Fits Into Your Overall Financial Plan

August 11, 2026 by Robby Oakes

A mortgage is often the largest financial commitment a household carries, but it should not be viewed separately from the rest of your financial life. Your housing payment affects how much you can save, invest, spend, and prepare for future goals. Understanding how your mortgage fits into your overall plan can help you make decisions that support both homeownership and long-term financial stability.

Filed Under: Mortgage Tips Tagged With: Financial Planning, Homeownership, Mortgage Tips

What’s Ahead For Mortgage Rates This Week – August 10th, 2026

August 10, 2026 by Robby Oakes

While unemployment rates have fallen to their lowest levels since 2025, they have not fallen for the right reasons. Many people who have dropped out of the labor force have also stopped looking for work, which can skew the unemployment numbers. This has been followed by a smaller-than-expected increase in hourly pay, which has continued to lag behind inflation, especially in the current environment.

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

What Every Homeowner Should Know About Escrow

August 7, 2026 by Robby Oakes

If you have recently purchased a home, you have probably heard the term “escrow” several times throughout the mortgage process. While many homeowners understand that escrow is part of their monthly payment, they are often unsure how it actually works. Understanding your escrow account can help you better manage your mortgage, avoid surprises, and feel more confident about your homeownership expenses.

Filed Under: Mortgage Tips Tagged With: Escrow, Homeowner Tips, Property Taxes

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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