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Steps to Take Now to Build Your Credit for a Home Purchase Next Year

October 2, 2024 by Robby Oakes

If you’re thinking about buying a new home next year, there’s one important factor to consider before you start browsing listings–your credit score. A strong credit score can make a huge difference in the interest rates you will qualify for and can also determine your mortgage approval.

Filed Under: Credit Scoring Tagged With: Credit Score, Credit Tips, Mortgage Ready

How Much Equity Can You Borrow Today?

October 1, 2024 by Robby Oakes

Your home equity represents one of your most valuable assets. When it comes to borrowing against that equity, many homeowners question how much can they borrow. Understanding the amount of equity you can tap into today is essential, especially if you’re considering a home equity loan or line of credit (HELOC) for major expenses like home improvements, debt consolidation, or other financial needs.

Filed Under: Home Mortgage Tagged With: HELOC, Home Equity, Mortgage Tips

What’s Ahead For Mortgage Rates This Week – September 30th, 2024

September 30, 2024 by Robby Oakes

With the release of the PCE Index data, we are seeing the trend hold as inflation continues to slow down. This gives the Federal Reserve room to continue its rate cuts in the future. Following the positive news for inflation data, the GDP has also seen a larger-than-expected growth of 3% this quarter. The only data running against the tide is the Consumer Confidence reports, which reported to show that consumers are at their most anxious since 2021. We should expect a greater impact on the lending and broader markets ahead of the elections.

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

VA vs FHA vs USDA What’s the Difference?

September 27, 2024 by Robby Oakes

You may have more options than you think when it comes to securing a mortgage for your new home. While many buyers opt for conventional financing, another option or program might be a better choice for you, depending on your personal and financial situation. Learning more about FHA, USDA, and VA loans ensures you get the best possible deal for your mortgage and that you secure the loan that you need for your new home. Here’s what you need to know about these useful mortgage options.

Filed Under: Mortgage Tagged With: Loan Options, Mortgage, VA Loans

An Overview Of Umbrella Insurance: How It Works

September 26, 2024 by Robby Oakes

Accidents can happen from time to time, which is why it is important for people to have insurance. While you might be able to fix some accidents on your own, others can lead to a significant amount of financial stress.

Filed Under: Mortgage Tagged With: Mortgage, Protecting Your Assets, Umbrella Insurance

Eco-Friendly Homes for a Sustainable Tomorrow

September 25, 2024 by Robby Oakes

In recent years, the concept of eco-friendly homes has gained significant traction, and for good reason. As awareness of environmental issues grows, more homeowners are seeking ways to minimize their carbon footprint while also reaping the benefits of sustainable living.

Filed Under: Homebuyer Tips Tagged With: Eco-Friendly Homes, Home Buying, Reduced Energy Consumption

Tips and Insights on Home Buying with Bad Credit

September 24, 2024 by Robby Oakes

When thinking about homeownership, a perfect credit score often seems like the golden ticket. But what if your credit history isn’t picture-perfect?

Filed Under: Home Buyer Tips Tagged With: Bad Credit, Homebuying Tips, Mortgage

What’s Ahead For Mortgage Rates This Week – September 23rd, 2024

September 23, 2024 by Robby Oakes

The long-awaited week has come and within expectations, the Federal Reserve has decided to reduce interest rates for central banks by 50 basis points. This is the bigger of the two options for a rate cut, with the lesser being 25 basis points. The impact of this cannot be understated as this gives an official nod that the economy is in a good spot and inflation is under control, according to the Federal Reserve’s outlook on the data. The only black mark on the week of releases is the U.S. Leading Economic Indicators showing the economy has been in a slower trend for the past 6 months. The Federal Reserve, despite the rate cut, has continued to remain hard in its stance about not cutting rates too quickly. This will likely depend on future data.

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

Understanding Hidden and Non-Hidden Mortgage Fees

September 20, 2024 by Robby Oakes

When navigating the mortgage process, understanding the various fees involved is crucial for accurate financial planning. Mortgages come with a range of fees, some of which are clearly outlined and others that may not be immediately obvious. We will explore both hidden and non-hidden mortgage fees, providing insights into how they impact the total cost of your loan.

Filed Under: Home Mortgage Tagged With: Loan Costs, Mortgage Fees, Mortgage Origination Fee

The Impact of Interest Rate Changes on Your Mortgage Payment Over Time

September 19, 2024 by Robby Oakes

When it comes to mortgages, interest rates play a crucial role in determining your monthly payments and the total cost of your loan. While fixed-rate mortgages offer stable payments, adjustable-rate mortgages (ARMs) can fluctuate with market conditions, leading to significant variations in your financial obligations over time.

Filed Under: Mortgage Tagged With: Adjustable Rate Mortgage, Interest Rates, Mortgage Rates

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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