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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 Insurance Choices Affect Homeownership Costs

July 28, 2026 by Robby Oakes

Buying a home is one of the biggest financial investments most people will ever make but protecting that investment is just as important. Homeowners insurance is often viewed as another monthly bill, yet the coverage you choose can have a significant impact on both your budget and your financial security. Understanding your options can help you balance affordability with the protection your home deserves.

Filed Under: Mortgage Tips Tagged With: Homeowner's Insurance, Homeownership, Mortgage Tips

What’s Ahead For Mortgage Rates This Week – July 27th, 2026

July 27, 2026 by Robby Oakes

The PCE Index inflation data is expected to come in lower this week than the previous month’s reading. With the Federal Reserve’s rate decision set to arrive soon, the prior week was relatively light in terms of economic data.

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

How a Small Down Payment Can Still Lead to Homeownership

July 24, 2026 by Robby Oakes

Many people believe they need a large down payment before they can buy a home. While making a larger down payment can have benefits, it is not the only path to homeownership. Today’s mortgage programs offer a variety of options that allow qualified buyers to purchase a home with much less money upfront than they may expect. Understanding these opportunities can help turn the dream of owning a home into a reality sooner than you think.

Filed Under: Mortgage Tips Tagged With: Down Payment, Home Buying, Homeownership

Should You Lock Your Interest Rate Right Away?

July 23, 2026 by Robby Oakes

Choosing the right mortgage involves more than finding the right home. One of the most important decisions during the loan process is whether to lock your interest rate. Many buyers wonder if they should secure today’s rate or wait to see if rates improve. The answer depends on several factors, including market conditions, your closing timeline, and your comfort level with uncertainty.

Filed Under: Mortgage Tips Tagged With: Homeownership, Interest Rates, Mortgage Tips

What Happens to Your Mortgage After Closing?

July 22, 2026 by Robby Oakes

Closing day is an exciting milestone. You have signed the paperwork, received the keys, and officially become a homeowner. While it may feel like the mortgage process is complete, there are still a few important things to understand about what happens after closing. Knowing what to expect can help you manage your mortgage with confidence and avoid unnecessary surprises during your first year of homeownership.

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

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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