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How Obtaining a Mortgage Can Impact Your Credit Score

February 13, 2025 by Robby Oakes

When considering homeownership, many potential buyers wonder: Will getting a mortgage help my credit score? The answer is yes–if managed correctly. A mortgage is a major financial commitment, but it can also be a powerful tool for building and maintaining strong credit. Here’s how a mortgage can affect your credit score and what you should keep in mind.

Filed Under: Home Buyer Tips Tagged With: Credit Score, Home Buying Tips, Mortgage Tips

Is It Time to Stop Paying Rent and Start Building Equity?

January 23, 2025 by Robby Oakes

Have you ever calculated how much rent you’ve paid over the years? It’s a staggering number. According to studies, the average American spends between $133,000 and $155,000 on rent in just six to seven years. Let’s break that down and explore what it means for your financial future–and how you might be able to change that narrative.

Filed Under: Home Buyer Tips Tagged With: Build Equity, Home Buying Tips, Stop Renting

How Mortgage Rates Affect Your Home Buying Power

January 17, 2025 by Robby Oakes

Mortgage rates play a significant role in determining how much home you can afford. These rates influence the cost of borrowing money for your mortgage, which directly impacts your monthly payment and, ultimately, your home buying power.

Filed Under: Home Buyer Tips Tagged With: Dream Home Goals, Home Buying Power, Mortgage Advice

The Role of the Appraisal Contingency in Real Estate Contracts

December 5, 2024 by Robby Oakes

When you’re buying a home, one important component of the real estate contract is the appraisal contingency. This clause protects the buyer in case the property’s appraisal comes in lower than the agreed-upon sale price.

Filed Under: Home Buyer Tips Tagged With: Appraisal Contingency, Home Buying , Real Estate Tips

Steps to Prepare for Future Home Financing and Year-End Financial Checklist

December 3, 2024 by Robby Oakes

As the year draws to a close, it’s the perfect time to take a step back and review your financial health, especially if you plan to purchase a home next year. Whether you’re a first-time buyer or looking to upgrade, proper preparation can make all the difference when securing a mortgage with favorable terms.

Filed Under: Home Buyer Tips Tagged With: Financial Planning, Home Financing, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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