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The Future of Mortgages with Technology Fintech and AI

October 23, 2025 by Robby Oakes

The mortgage industry is evolving faster than ever. Technology, fintech innovation, and artificial intelligence are transforming how borrowers find, qualify for, and manage their home loans. These advancements are making the mortgage process faster, smarter, and more transparent, creating new opportunities for both lenders and buyers.

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

The Role of Credit Inquiries in Mortgage Approval

October 17, 2025 by Robby Oakes

When preparing to apply for a mortgage, it is important to understand how credit inquiries can impact your chances of approval. Lenders use your credit report to assess risk, and every inquiry can play a role in how they view your financial stability. By knowing the difference between soft and hard inquiries, borrowers can make smarter decisions and protect their credit scores during the home buying process.

Filed Under: Mortgage Tagged With: Credit Inquiries, Mortgage Approval, Mortgages

Balloon Mortgages Explained

October 15, 2025 by Robby Oakes

Balloon mortgages are a unique type of home loan that can be attractive to some borrowers, but they also carry specific risks. Unlike traditional mortgages with consistent payments over the life of the loan, balloon mortgages involve smaller monthly payments for a set period, followed by a large lump sum payment at the end.

Understanding how balloon mortgages work, who they are suited for, and potential pitfalls can help you make an informed decision before committing.

Filed Under: Mortgage Tagged With: Balloon Mortgages, Mortgage Planning, Mortgages

Deciding Whether to Pay Extra Toward Principal or Save for Other Investments

September 18, 2025 by Robby Oakes

When it comes to managing your mortgage, one of the most common questions is whether to put extra money toward paying down the loan principal or to save that money for other investments. Both choices have advantages, and the right decision often depends on your goals, financial situation, and comfort with risk.

Filed Under: Mortgage Tagged With: Mortgage Education, Mortgage Tips, Wealth Building

How Borrowers Can Benefit from Inflation with the Right Mortgage

September 17, 2025 by Robby Oakes

Inflation is a topic that impacts nearly every part of the economy, from the cost of groceries to long term financial planning. For homeowners and those considering a mortgage, inflation can feel intimidating. However, with the right perspective and strategies, borrowers can use inflation to their advantage and create lasting financial benefits.

Filed Under: Mortgage Tagged With: Home Buying Journey, Inflation And Mortgages, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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