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

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A Deep Dive into Mortgage and Tax Facts

September 1, 2026 by Robby Oakes

Owning a home is a significant milestone that comes with a multitude of financial considerations. Beyond the pride of homeownership, there are substantial tax benefits and deductions available to those who embark on this journey. We will explore key facts about mortgages and taxes, focusing on the deductions, credits, and benefits that can make homeownership a financially savvy decision.

Filed Under: Home Mortgage Tips Tagged With: Homebuyer Credits, Mortgage, Taxes

What’s Ahead For Mortgage Rates This Week – August 31st, 2026

August 31, 2026 by Robby Oakes

The PCE Index has remained above the Federal Reserve’s target and continues to be the Federal Reserve’s preferred measure for tracking inflation. Although the latest reading was not significantly above expectations, when considered alongside a number of other factors, it could contribute to the potential for a rate increase, particularly as the PCE Index has repeatedly come in higher than expected in recent months.

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

What Homeowners Should Know Before Removing Mortgage Insurance

August 28, 2026 by Robby Oakes

Mortgage insurance can make homeownership accessible with a smaller down payment, but many homeowners eventually wonder whether it can be removed. The answer depends on the type of mortgage you have, your loan balance, property value, payment history, and the rules that apply to your specific loan.

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

How a Large Down Payment Can Affect More Than Your Monthly Payment

August 27, 2026 by Robby Oakes

When buying a home, it is natural to assume that putting as much money down as possible is always the best financial decision. A larger down payment can provide meaningful advantages, but it also affects more than the size of your monthly mortgage payment. Understanding the broader impact can help you decide how much cash makes sense to use at closing.

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

Why the Amount You Qualify For May Be Different From What You Should Spend

August 26, 2026 by Robby Oakes

Getting approved for a mortgage can be exciting, especially when you discover how much financing may be available to you. But the maximum amount you qualify to borrow and the amount you are personally comfortable spending are not necessarily the same. Understanding the difference can help you choose a home that supports your lifestyle as well as your finances.

Filed Under: Mortgage Tips Tagged With: Home Budget, Mortgage Planning, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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