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Reflecting on MLK Day: A Celebration of Equality and Justice

January 15, 2024 by Robby Oakes

Martin Luther King Jr. Day serves as a touching reminder of the permanent mark left by one of the most influential figures in the American civil rights movement

Filed Under: Holiday Tips Tagged With: Equality, Justice for All, MLK Day

Balancing Educational Debt with Homeownership Goals

January 12, 2024 by Robby Oakes

In the pursuit of the American dream, many individuals find themselves walking a tightrope between educational aspirations and the desire to own a home. The burden of student loan debt can often seem impossible, making the prospect of homeownership feel like a distant dream.

Filed Under: Student Loans Tagged With: budgeting, Mortgage, student loans

First-Time Homebuyer’s: Understanding Mortgage Terminology

January 11, 2024 by Robby Oakes

Obtaining a mortgage can seem to be filled with perplexing terms and concepts. Don’t worry, though – we’re here to decode the complexities and make it easy for you to navigate the mortgage landscape with confidence.

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

Renting Out Your Property and Becoming a Landlord with a Mortgage

January 10, 2024 by Robby Oakes

Becoming a landlord can be a profitable undertaking, providing a steady income stream and potential long-term investment growth. It is important to understand the complexities of managing a property while still under a mortgage. We will discuss the key insights into renting out your property and becoming a landlord while maintaining a mortgage.

Filed Under: Home Mortgage Tagged With: Insurance, Mortgage, Property Rental

Unveiling the Power of VA Loans for Veterans

January 9, 2024 by Robby Oakes

For the brave men and women who have served in the armed forces, the dream of homeownership becomes more attainable and rewarding through the power of VA loans. We will discuss the unique features that make VA loans a tool for veterans, empowering them to secure homes with financial flexibility and favorable terms.

Filed Under: Home Mortgage Tagged With: Mortgage, VA Benefits, VA Loans

What’s Ahead For Mortgage Rates This Week – January 8th, 2024

January 8, 2024 by Robby Oakes

With the first FOMC minutes of the year, it sets the tone of the potential moves the Federal Reserve will make, with them remaining firm in their current stance of not employing any rate cuts, however given the more recent end of year reports, there is a likelihood that rate cuts will start this year. The last change in rates was in July of last year. The second most important report also being the final PMI (Manufacturing) numbers, which has largely met expectations without any irregularities.

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

Understanding, Avoiding, and Mitigating Early Mortgage Repayment Fees

January 5, 2024 by Robby Oakes

Mortgage prepayment penalties are fees charged by lenders when borrowers pay off their mortgages before the agreed-upon term. These penalties are designed to compensate lenders for potential lost interest income and can significantly impact borrowers who want to pay off their mortgages early.

Filed Under: Mortgage Tagged With: Mortgage, Mortgage Fees, Penalties

15-Year vs. 30-Year Loans Compared

January 4, 2024 by Robby Oakes

Choosing the right mortgage term is a critical decision when purchasing a home. The two most common options are 15-year and 30-year mortgage terms. Let’s compare the advantages and disadvantages of each to help you make an informed decision:

Filed Under: Mortgage Tagged With: 15-Year, Loan Options, Mortgage

The Role of Mortgage Escrow Accounts in Property Tax and Insurance Payments

January 3, 2024 by Robby Oakes

A mortgage escrow account, also known simply as an escrow account, is a financial arrangement set up by a mortgage lender to manage and disburse certain payments related to the property on behalf of the homeowner. The purpose of an escrow account is to ensure that essential expenses, such as property taxes and homeowners’ insurance, are paid on time.

Filed Under: Home Mortgage Tips Tagged With: Escrow, Mortgage, Property Taxes

What’s Ahead For Mortgage Rates This Week – January 2nd, 2024

January 2, 2024 by Robby Oakes

With the New Year, the final week only featured the normal reports of Jobless Claims, S&P Shiller Home Price Index (YoY), and Chicago Business Barometer. All of them will have limited impact compared to the GDP and the Inflation data reports that have already been released.

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

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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