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You Ask, We Answer: What Are the Pros and Cons of Private Mortgage Insurance?

January 13, 2026 by Robby Oakes

It’s easy to get Private Mortgage Insurance (PMI) confused with homeowners’ insurance, but PMI is an entirely different thing that may or may not be necessary when it comes to your home purchase. If you’re going to be investing in a home in the near future and are wondering what PMI may mean for you, here are some things to consider regarding this type of insurance.

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage, Mortgage Insurance

Understanding Mortgages and Inflation and How Borrowers Can Benefit

October 28, 2025 by Robby Oakes

Inflation affects nearly every part of the economy, from grocery prices to the cost of borrowing. For homeowners and buyers, understanding how inflation impacts mortgage rates and payments can be a powerful advantage. While rising prices can feel discouraging, there are strategic ways borrowers can benefit during inflationary periods.

Filed Under: Home Mortgage Tips Tagged With: Financial Planning, Inflation, Mortgages

How Parenthood Changes Mortgage Needs and Housing Priorities

October 21, 2025 by Robby Oakes

Becoming a parent changes everything, including how you think about homeownership. The priorities that once guided your decisions, like proximity to nightlife, short commutes, or luxury finishes, shift dramatically when you start planning for a growing family. Suddenly, your focus moves from what suits your lifestyle today to what supports your family’s future tomorrow.

Filed Under: Home Mortgage Tips Tagged With: Housing Priorities, Mortgages, Parenthood

APR vs. Interest Rates

March 14, 2025 by Robby Oakes

If you’re gearing up to dive into the world of real estate, there are a few key terms you’ll want to wrap your head around before taking the plunge. Today, we’re demystifying APR and interest rate, two crucial concepts that can impact your home-buying journey. Don’t worry, I’ll break it down in simple terms so you can confidently navigate the process like a pro.

Filed Under: Home Mortgage Tips Tagged With: APR, Home Mortgage, Interest Rates

Home Improvement Projects to Maximize Comfort and Functionality

March 11, 2025 by Robby Oakes

Home improvement projects are a fantastic way to enhance the comfort and functionality of your living space. Whether you’re planning a kitchen remodel, bathroom upgrade, or an addition to your home, construction loans can provide the necessary financing to turn your dreams into reality. Consequently, here’s how construction loans can be used for various home improvement projects and what you need to know to get started.

Filed Under: Home Mortgage Tips Tagged With: Construction Loan, Home Improvement, Home Renovation

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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