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How to Avoid Mortgage Scams and Stay Safe When Buying a Home

January 7, 2025 by Robby Oakes

Scams are everywhere, and the mortgage world is no exception. As you start the exciting journey of homeownership, it’s essential to be aware of the potential risks and arm yourself with knowledge to protect your investment.

Filed Under: Home Mortgage Tips Tagged With: Avoid Mortgage Fraud, Mortgage Advice, Mortgage Scams

What If My Mortgage Pre-Approval Expires?

December 19, 2024 by Robby Oakes

A mortgage pre-approval is one of the most valuable tools in your homebuying journey. It’s not just a letter stating how much you’re qualified to borrow; it’s a written commitment from your lender that assures sellers you have the financial backing to make a competitive offer.

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

Condo Financing vs. Single-Family Home Mortgages

December 17, 2024 by Robby Oakes

Purchasing a condo can be an exciting step, offering a more affordable option or an appealing lifestyle in certain areas. However, financing a condo differs significantly from securing a mortgage for a single-family home. These differences arise from the shared nature of condo ownership, affecting the underwriting process, appraisal requirements, insurance needs, and sometimes even the interest rate.

Filed Under: Home Mortgage Tips Tagged With: Condo Financing, Home Loan Tips, Mortgage Advice

Top 5 Mortgage Types for Homebuyers

November 20, 2024 by Robby Oakes

When you’re preparing to buy a home, choosing the right mortgage is one of the most important decisions you’ll make. With so many options available, it can be challenging to know which type best suits your needs. Each mortgage type comes with unique advantages and understanding them can help you achieve your homeownership goals in a financially sustainable way.

Filed Under: Home Mortgage Tips Tagged With: First Time Buyer, Home Buying Tips, Mortgage Advice

Is a Cash-Out Refinance the Answer to High Credit Card Bills?

October 18, 2024 by Robby Oakes

If your credit card debt is piling up, a cash-out refinance could be the solution you need to manage your financial situation. By leveraging the equity in your home, you can consolidate your high-interest debts into a lower-interest mortgage, potentially giving you relief from hefty monthly payments.

Filed Under: Home Mortgage Tips Tagged With: Cash Out Refinance, Credit Card Debt, Debt Consolidation 

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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