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

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How Much Emergency Savings Should You Keep After Buying a Home?

July 9, 2026 by Robby Oakes

Buying a home is an exciting milestone, but your financial planning should not stop once you receive the keys. While it is tempting to put every available dollar toward your down payment or decorating your new space, maintaining an emergency savings fund is one of the smartest decisions you can make. Having money set aside for unexpected expenses can help you enjoy homeownership with greater confidence and less financial stress.

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

How to Build a Home Buying Budget That Still Lets You Enjoy Life

July 8, 2026 by Robby Oakes

Buying a home is an exciting milestone, but it should not mean giving up everything you enjoy. A well-planned budget helps you become a homeowner while still making room for vacations, hobbies, family outings, and the occasional dinner out. The goal is to create a financial plan that supports your lifestyle instead of limiting it.

Filed Under: Mortgage Tips Tagged With: Home Buying, Homeownership, Mortgage Planning

Should You Buy a Home Before Your Lease Ends?

July 7, 2026 by Robby Oakes

Buying a home before your lease expires may seem like paying for two places at once, but in many cases it can actually make the transition smoother and less stressful. Every situation is different, and understanding your options can help you decide whether overlapping your lease and mortgage is the right move.

Filed Under: Mortgage Tips Tagged With: First-Time Home Buyer, Home Ownership, Mortgage Tips

What’s Ahead For Mortgage Rates This Week – July 6th, 2026

July 6, 2026 by Robby Oakes

Unemployment data has shown some rather interesting statistics, with the lowest unemployment rates in the last 14 months being reported. Looking closer at the statistics shows that the unemployment rate hasn’t just dropped due to more people finding work, but also because a significant number of people have stopped looking for work, causing the numbers to appear more favorable.

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

Why Small Financial Changes Can Delay Your Closing

July 3, 2026 by Robby Oakes

As closing day approaches, many homebuyers assume the mortgage process is nearly complete. While that is often true, lenders may continue reviewing your financial information until the final approval is issued. Even small changes to your finances can create new questions, require additional documentation, and potentially delay your closing. Knowing what to avoid can help keep your home purchase on track.

Filed Under: Mortgage Tips Tagged With: Closing Day, Mortgage Approval, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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