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Understanding the Role of the Federal Reserve in Mortgage Rates

April 4, 2025 by Robby Oakes

When you’re thinking about buying a home, you may hear a lot about mortgage rates going up or down. But have you ever wondered what causes these changes? One of the biggest influences on mortgage rates is the Federal Reserve, often called “the Fed.” While the Fed doesn’t set mortgage rates directly, its policies play a major role in how much you’ll pay for your home loan. Let’s break it down in simple terms:

Filed Under: Mortgage Rates Tagged With: Federal Reserve, Mortgage Advice, Mortgage Rates

The Importance of Communication Between Mortgage Originators and Clients

April 3, 2025 by Robby Oakes

Effective communication between mortgage originators and clients is essential in ensuring a smooth, stress-free home financing process. Purchasing a home is one of the biggest financial decisions a person can make, and navigating the mortgage process can be overwhelming. Strong communication helps clients understand their options, stay informed, and ultimately secure the best loan for their needs.

Filed Under: Mortgage Tips Tagged With: Client Trust, Communication, Mortgage Tips

Creative Ways to Use Mortgage Pre-Approval to Your Advantage

April 2, 2025 by Robby Oakes

When shopping for a home, securing mortgage pre-approval is one of the most important steps you can take. Not only does it show sellers that you are a serious buyer, but it also gives you a clearer picture of your budget and financing options. However, many homebuyers do not realize that mortgage pre-approval can be leveraged in multiple ways to maximize their home search and negotiation power.

Filed Under: Mortgage Tips Tagged With: Home Buying Tips, Mortgage Pre Approval, Mortgages

Challenges and Solutions for Mortgages in Remote Areas

April 1, 2025 by Robby Oakes

Buying a home in a remote area can be a dream come true–peaceful surroundings, open spaces, and a slower pace of life. However, securing a mortgage for these properties comes with unique challenges. As a mortgage originator, I’m here to break down the hurdles and offer solutions so you can make your rural homeownership dreams a reality.

Filed Under: Mortgage Tagged With: Mortgage Loans, Mortgage Tips, Remote Areas

What’s Ahead For Mortgage Rates This Week – March 31st, 2025

March 31, 2025 by Robby Oakes

With the introduction of tariffs on Tuesday, there is significant uncertainty across all sectors regarding the potential outcome. While important data releases–including the PCE Index, Personal Income & Spending, and Consumer Sentiment for the quarter–have taken place, their impact is expected to be largely overshadowed by apprehension surrounding the widespread tariff decisions.

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

Can I Get a Mortgage Without a Credit Score By Using Alternative Credit History?

March 28, 2025 by Robby Oakes

When securing a mortgage, borrowers have the option to reduce their interest rate through a mortgage buydown. This strategy can help lower monthly payments, either temporarily or permanently, depending on the type of buydown chosen.

Filed Under: Mortgage Tagged With: Dream Home, Home Owner, Mortgage Approval, Mortgage Tips

The Difference Between FICO Score and Credit Score: How It Affects Your Mortgage and Rates

March 26, 2025 by Robby Oakes

When applying for a mortgage, your creditworthiness plays a significant role in determining your loan approval and interest rates. Two commonly referenced terms are FICO score and credit score, which are often used interchangeably but have distinct differences.

Filed Under: Mortgage Tagged With: Credit Score, Home Buying, Mortgage Rates

Navigating Mortgages as a Self-Employed Professional

March 25, 2025 by Robby Oakes

Securing a mortgage as a self-employed professional can be more challenging than for traditional W-2 employees, but with the right preparation and documentation, it is entirely achievable. Here’s a guide to help you navigate the process.

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

What’s Ahead For Mortgage Rates This Week – March 24th, 2025

March 24, 2025 by Robby Oakes

The previous week had the Federal Reserve making their first rate decision since the Trump administration had taken office. With many uncertainties about the current direction of things, the Federal Reserve had decided there would not be any change necessary to the current rates. Stating that the current inflation and economic conditions have largely been a result of the Trump administration’s policies on tariffs. Chairman Powell has been strongly dovish at this point, stating they would need to “see how things actually work out.” There were a slew of other minor data releases but none were far reaching in their impact on the economy and current direction of things.

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

Mortgage Options for Non-U.S. Citizens

March 21, 2025 by Robby Oakes

Purchasing a home in the U.S. as a non-U.S. citizen is entirely possible, but the process comes with unique requirements and considerations. Whether you are a permanent resident, temporary visa holder, or foreign national, understanding the available mortgage options can help you navigate the path to homeownership successfully.

Filed Under: Mortgage Tips Tagged With: Foreign National Loan, Home Ownership, Mortgage Loans

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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