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The Effect of Local Job Markets on Mortgage Lending

July 29, 2025 by Robby Oakes

When evaluating the housing market, many people focus on home prices and interest rates. However, one critical factor that often goes unnoticed is the strength of the local job market. Employment trends directly affect mortgage lending by influencing both buyer demand and lender confidence.

Filed Under: Mortagage Tips Tagged With: Job Market Impact, Local Economy, Mortgage Lending

The Facts and Fictions of Reverse Mortgages

April 16, 2025 by Robby Oakes

A reverse mortgage can be a powerful financial tool for homeowners aged 62 and older, providing access to home equity without the burden of monthly mortgage payments. If you’re considering this option, here’s a step-by-step guide to help you navigate the process.

Filed Under: Mortagage Tips Tagged With: Financial Freedom, Home Equity, Reverse Mortgage

Understanding Mortgage Payments and How to Calculate Them

March 5, 2025 by Robby Oakes

Knowing how to calculate mortgage payments can help you plan for homeownership and budget effectively. Several factors determine your monthly payment, including the loan amount, interest rate, and loan term. Here’s a step-by-step guide to understanding the process.

Filed Under: Mortagage Tips Tagged With: Home Buying, Mortgage Payments, Mortgage Tips

Can You Buy Land with a VA Loan?

January 30, 2025 by Robby Oakes

The VA loan program offers exceptional benefits to veterans, active-duty service members, and eligible surviving spouses, including no down payment, competitive interest rates, and no private mortgage insurance (PMI). But what about buying land?

Filed Under: Mortagage Tips Tagged With: Land Purchase, VA Loans, Veterans Benefits

When Will Refinancing Pay Off? Calculating Your Break-Even Point

December 24, 2024 by Robby Oakes

Refinancing can help homeowners save money, but it’s essential to determine if the potential savings outweigh the upfront costs. One key tool in making this decision is calculating the refinance break-even point.

Filed Under: Mortagage Tips Tagged With: Home Finances, Mortgage Refinance, Smart Savings

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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