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Sweet Loans for Every Taste: Which Mortgage Treat Is Right for You?

May 29, 2025 by Robby Oakes

Let’s face it, picking the right mortgage can feel overwhelming. But what if we made it more fun? Think of home loans like candy bars: each one has a distinct flavor, a specific audience, and its own perfect time and place. Whether you’re buying your first home, building your dream house, or tapping into retirement equity, there’s a mortgage match made just for you.

Filed Under: Mortgage Tagged With: Loan Flavors, Mortgage Humor, Mortgage Made Fun

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

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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