Robby Oakes Mortgage

Chapel Hill Mortgage Lender | Robby's Blog about Mortgages in Raleigh, Durham, Chapel Hill, and Crystal Coast area of NC

  • Home
  • Our Main Site
  • Blog
  • Resources
    • Mortgage Calculator
    • First Time Home Buyer Tips
    • First Time Home Seller Tips
    • Home Appraisal
    • Home Inspection
    • Loan Checklist
    • Loan Process
    • Loan Programs
    • Mortgage FAQ
    • Mortgage Glossary
  • Contact Us

The Impact of Rental Income on Mortgage Qualification

May 8, 2025 by Robby Oakes

For real estate investors and homeowners looking to purchase additional properties, rental income can play a crucial role in mortgage qualification. Lenders often consider this income when assessing a borrower’s ability to repay a loan, but the way it is calculated and applied varies based on different loan programs and underwriting guidelines. Understanding how rental income factors into mortgage approval can help buyers maximize their borrowing potential and secure favorable financing terms.

Filed Under: Mortgage Tagged With: Mortgage Applications, Mortgage Qualification, Rental Income

What Every Buyer Should Know About Home Appraisals

April 18, 2025 by Robby Oakes

Buying a home is an exciting yet complex process, and one critical step often catches buyers off guard—the home appraisal. This professional evaluation determines the fair market value of a property, ensuring that both you and your lender are making a sound investment. Understanding how appraisals work can help you navigate this stage with confidence and avoid potential roadblocks.

Filed Under: Mortgage Tagged With: Home Buying, Mortgage101, Real Estate Tips

Why Did My Mortgage Lender Change?

April 17, 2025 by Robby Oakes

Buying a home is one of the most significant financial steps you’ll ever take. After securing a mortgage, you expect to send your payments to the same lender for years to come. So, when you receive a notice saying your mortgage has been sold and your payments should now go to a different company, it might feel alarming.

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

Challenges and Solutions for Mortgages in Remote Areas

April 1, 2025 by Robby Oakes

Buying a home in a remote area can be a dream come true–peaceful surroundings, open spaces, and a slower pace of life. However, securing a mortgage for these properties comes with unique challenges. As a mortgage originator, I’m here to break down the hurdles and offer solutions so you can make your rural homeownership dreams a reality.

Filed Under: Mortgage Tagged With: Mortgage Loans, Mortgage Tips, Remote Areas

Can I Get a Mortgage Without a Credit Score By Using Alternative Credit History?

March 28, 2025 by Robby Oakes

When securing a mortgage, borrowers have the option to reduce their interest rate through a mortgage buydown. This strategy can help lower monthly payments, either temporarily or permanently, depending on the type of buydown chosen.

Filed Under: Mortgage Tagged With: Dream Home, Home Owner, Mortgage Approval, Mortgage Tips

  • 1
  • 2
  • 3
  • …
  • 56
  • Next Page »

Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

How can we help?

Connect with Us

CIMG Residential Mortgage

Quick Links

  • Our Main Site
  • Accessibility Statement
  • NMLS Consumer Access
  • Privacy Policy
©2025 Robby Oakes Mortgage Team
Corporate Investors Mortgage Group
NMLS# 39460.
Licensed to Do Business in the State of NC

Equal_Housing_Opportunity

Copyright © 2025 · Powered by MySMARTblog

Copyright © 2025 · Genesis Sample Theme on Genesis Framework · WordPress · Log in