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How Much Down Payment Do You Need for a Mortgage When Buying a Home?

May 23, 2025 by Robby Oakes

If you’re considering buying a home, you’re likely wondering how much you’ll need for a down payment. The common belief is that you need to put down 20% of the home’s purchase price, but that’s not the only option and in many cases, it’s not even necessary.

Filed Under: Mortgage Tips Tagged With: Down Payment Help, Home Buying Journey, Mortgage Tips

What To Do When Your Mortgage Loan is Declined

May 22, 2025 by Robby Oakes

Getting turned down for a mortgage can be discouraging, but it doesn’t mean the dream of homeownership is over. In fact, understanding why your application was declined is the first step toward making a stronger comeback. Let’s look at some of the most common reasons a mortgage might be denied and what you can do about it.

Filed Under: Mortgage Tips Tagged With: Home Buying Journey, Mortgage Declined, Mortgage Tips

Pet-Friendly Mortgages And How Owning Pets Could Affect Your Loan Choices

May 21, 2025 by Robby Oakes

We love our pets, they are part of the family. But did you know that your furry (or feathered) friend could play a surprising role in your homebuying journey? While your dog probably will not impact your credit score, being a pet owner can influence where and how you buy a home, and even the type of loan you choose.

Filed Under: Mortgage Tips Tagged With: Home Buying Tips, Mortgage Advice, Pet Friendly Living

What Your Coffee Habit Can Teach You About Paying Off Your Mortgage Faster

May 20, 2025 by Robby Oakes

As your mortgage advisor, I am not here to tell you to give up your favorite coffee, but I am here to show you how something as simple as your daily coffee run can reveal some powerful lessons about how to pay off your mortgage faster.

Filed Under: Mortgage Tips Tagged With: Coffee And Homeownership, Financial Freedom, Mortgage Tips

Eco-Friendly Mortgages To Finance Green Homes

May 16, 2025 by Robby Oakes

As more homeowners seek sustainable living options, eco-friendly mortgages have become a valuable tool for financing energy-efficient homes. These specialized loans offer financial incentives to buyers and homeowners who invest in environmentally friendly properties or upgrades. Understanding how these mortgages work can help you determine if they align with your homeownership and sustainability goals.

Filed Under: Mortgage Tips Tagged With: Eco-Friendly Living, Green Mortgages, Sustainable Homes

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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