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

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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

How to Financially Prepare for a Growing Family

August 6, 2026 by Robby Oakes

Buying a home is often one of the first major steps people take as they prepare for a growing family. Whether you are expecting your first child or planning for the future, it is important to think beyond today’s budget and consider how your financial needs may change over time. Preparing in advance can help you feel more confident as your family grows and your priorities evolve.

Filed Under: Mortgage Tips Tagged With: Financial Planning, Growing Family, Mortgage Tips

What Happens When Your Home Is Appraised?

August 5, 2026 by Robby Oakes

Buying a home involves several important steps, and one of the most significant is the appraisal. While buyers often focus on inspections, financing, and closing dates, the appraisal plays a key role in the mortgage process. Understanding what happens during an appraisal and why it matters can help you feel more confident as you move toward homeownership.

Filed Under: Mortgage Tips Tagged With: Home Appraisal, Home Buying, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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