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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

How to Buy a Home with Zero Down Payment

March 7, 2025 by Robby Oakes

Buying a home without a down payment is possible, but it requires exploring the right loan programs and financial assistance options. While lenders have tightened their requirements since the 2008 housing crisis, there are still ways to achieve homeownership with little to no upfront cash.

Filed Under: Home Mortgage Tips Tagged With: Home Buying, Mortgage Tips, Zero Down

How the Purchase and Refinance Mortgage Process Works

February 28, 2025 by Robby Oakes

When it comes to home financing, purchasing and refinancing a mortgage share similarities but serve distinct purposes. Understanding how each process works can help you make informed decisions about homeownership and financial planning.

Filed Under: Home Mortgage Tips Tagged With: Home Buying Tips, Mortgage, Refinancing

Understanding Mortgage Escrow Accounts and Why They Are Important

February 25, 2025 by Robby Oakes

A mortgage escrow account is a financial tool used by lenders to manage and disburse payments for property-related expenses, like property taxes and homeowners insurance. Rather than paying these expenses separately, a portion of your monthly mortgage payment is set aside in the escrow account.

Filed Under: Home Mortgage Tips Tagged With: Escrow Account, Home Buying101, Mortgage Tips

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Robby Oakes


Robby Oakes

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NMLS# 91606

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