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A Comprehensive Guide to Choosing the Best Mortgage Options for Unique Circumstances

June 14, 2023 by Robby Oakes

Securing a mortgage is a significant financial decision, and choosing the right option can have a lasting impact on your future. Each individual’s circumstances are unique, and finding the best mortgage for your needs requires careful consideration. Whether you’re a first-time homebuyer, have a less-than-ideal credit score, or are looking for specific loan terms, this comprehensive guide will assist you in navigating the process and making an informed decision.

Filed Under: Home Mortgages Tagged With: Mortgage, Mortgage Options

Millennials Are Finding Home Buying Overwhelming

June 13, 2023 by Robby Oakes

Many millennials find home buying overwhelming due to a variety of factors such as high housing prices, student loan debt, competition from investors, economic uncertainty, and a lack of knowledge about the home-buying process. These challenges can make it difficult for millennials to save enough money for a down payment, find a suitable property, and navigate the complex process of buying a home.

Filed Under: Mortgage Tagged With: Millennials, New Home, Real Estate

What’s Ahead For Mortgage Rates This Week – June 12, 2023

June 12, 2023 by Robby Oakes

Last week’s scheduled economic news included results from Fannie Mae’s National Housing Survey and weekly readings on mortgage rates and jobless claims.

Filed Under: Financial Reports Tagged With: Case Shiller, Financial Report, Jobless Claims

Will Pre-Approval for a Mortgage Hurt My Credit Score?

June 9, 2023 by Robby Oakes

To understand how pre-approval affects your credit, we need to discuss credit inquiries. When you apply for credit, such as a loan or credit card, the lender typically pulls your credit report to assess your creditworthiness. These inquiries are categorized as either “hard” or “soft.”

Filed Under: Mortgage Tagged With: Credit Score, Mortgage, Pre-Approval

Buying in a New Community: How to Meet and Make Friends with Your New Neighbors

June 8, 2023 by Robby Oakes

One of the stresses of moving to a new area is giving up the familiarity that you have with your old neighbors and starting from scratch. Whether you’ve just moved to a different locale or you’re planning to relocate in the near future, there are some easy ways that you can make a home of your new neighborhood right from the start.

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

What You Need To Know About Your Home Appraisal And Your Mortgage

June 7, 2023 by Robby Oakes

When buying a home, there are certain steps a buyer should go through before the home sale is official. First the buyer makes the offer, then the offer is accepted.

Filed Under: Mortgage Tagged With: Appraisal, Mortgage, Value

Most Renters Are Paying Far More Than Their Landlord’s Mortgage

June 6, 2023 by Robby Oakes

It is not uncommon for renters to pay more in rent than their landlord’s mortgage payment. This is because landlords are typically looking to make a profit on their rental properties, and they will often set their rent prices based on market rates rather than the cost of their mortgage.

Filed Under: Mortgage Tagged With: Mortgage, Mortgage Payment, Renting

S&P Case-Shiller Home Price Indices Show Mixed Readings in March

June 2, 2023 by Robby Oakes

Homeowners took a “wait and see” position as mortgage rates rose and concerns over the economy persisted. Those who refinanced their mortgages to low rates during the pandemic weren’t looking to buy new homes or refinance at current mortgage rates near seven percent. Prospective homebuyers faced affordability challenges and concerns over buying at the top of their local real estate markets.

Filed Under: Financial Reports Tagged With: Case Shiller, Financial Reports March readings for the S&P Case-Shiller National Home Price Index showed that month-to-month home prices rose by 0.40 percent in March. The 20-City Home Price Index, which is considered a benchmark indicator by U.S. real estate professionals

Does My Current Debt Affect Getting A New Mortgage?

June 1, 2023 by Robby Oakes

It’s important to manage your debt carefully and maintain a good credit score if you’re planning to apply for a new mortgage. By evaluating the following and staying on track, you can ensure that you’re ready for the financial responsibilities of a mortgage and can make an informed decision about homeownership.

Filed Under: Mortgage Tagged With: Credit Score, Debt to Income, Mortgage

An Overview Of Mortgage Points

May 31, 2023 by Robby Oakes

There are two types of mortgage points: discount points and origination points. Discount points are used to buy down the interest rate on the loan, while origination points are used to cover the lender’s administrative costs.

Filed Under: Mortgage Tagged With: Mortgage, Mortgage Points, Mortgage Rates

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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