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The Down Payment: Everything You Need to Know About Your Down Payment on a New Home

November 18, 2014 by Robby Oakes

Whether you’re just starting to shop for a new home or you’ve found the perfect house and are crafting your offer, if you’re taking out a mortgage to help cover your real estate purchase you’ve likely given some thought to your down payment.

Filed Under: Home Mortgage Tips Tagged With: Down Payments, Home Mortgage Tips, Mortgages

What’s Ahead For Mortgage Rates This Week – November 17, 2014

November 17, 2014 by Robby Oakes

Last week’s housing related news was lean, with no scheduled reports released other than Freddie Mac’s primary mortgage market survey. We’ll start with some good news…

Filed Under: Chapter 7 Bankruptcy Tagged With: Freddie Mac, Jobless Claims, Market Outlook

Save Money on Your Home Energy Costs This Winter in Just Three Easy Steps

November 14, 2014 by Robby Oakes

It doesn’t matter if you heat your home with electricity, natural gas or some other energy source; prices continue to rise and that means increased heating costs. In today’s blog post we’ll share three easy ways that you can save money on your home energy costs this winter.

Filed Under: Around The Home Tagged With: Around The Home, Homeowner Tips, saving money

Refinancing Your Mortgage: Understanding the Various Types of Refinancing

November 13, 2014 by Robby Oakes

In today’s blog post we’ll introduce mortgage refinancing and discuss a few of the ways that you can use this tool to help accomplish your financial goals.

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Refinancing, Mortgages

How to Use a Mortgage Calculator to Determine Your Monthly Payments, Interest and More

November 12, 2014 by Robby Oakes

Are you thinking about using a mortgage to buy a new home? In this blog post we’ll discuss mortgage calculators and how to use one of these tools to determine your monthly mortgage payments, interest charges, amortization periods and more.

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Calculators, Mortgages

What’s Ahead For Mortgage Rates This Week – November 10, 2014

November 10, 2014 by Robby Oakes

Last week’s economic reports contained mixed reports indicating that the economy continues to recover with occasional “blips” in its progress. Construction spending was lower than expected. A Federal Reserve survey of senior loan officers indicated that credit standards remain strict for mortgages and other types of lending.

Filed Under: Market Outlook Tagged With: Market Outlook, Mortgage Rates, National Association of REALTORS

Negotiation Tips: How to Ask the Seller to Pay the Closing Costs

November 7, 2014 by Robby Oakes

You’ve found the perfect new house or condo, and you are now preparing an offer that you believe the seller will find tempting enough to accept. The question is, should you ask the seller to pay some or all of the closing costs?

Filed Under: Home Buyer Tips Tagged With: Buying a Home, Home Buyer Tips, Negotations

Did You Know That Your FICO Score Can Drastically Affect Your Mortgage? Here’s Why

November 6, 2014 by Robby Oakes

Let’s take a quick look at how FICO credit scores can affect your mortgage and share a couple of ways that you can boost your score to ensure your application is approved.

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgages, Mortgages and Credit

You Ask, We Answer: What is a “Reverse Mortgage”?

November 5, 2014 by Robby Oakes

In today’s blog post we’ll explore reverse mortgage loans, explaining how they work and whether or not you’re qualified to receive one.

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgages, Reverse Mortgages

Have You Had Trouble Getting a Mortgage? Three Tips for Sprucing Up Your Credit Before Reapplying

November 4, 2014 by Robby Oakes

In this post we’ll share three quick tips for sprucing up your personal credit before reapplying for a mortgage. With a bit of luck and hard work you can be on your way to purchasing that new dream home.

Filed Under: Home Mortgage Tips Tagged With: Mortgage Acceptance, Mortgage Financing, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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