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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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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

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

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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