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Explaining Mortgage Options for Self-Employed Borrowers with Irregular Income

May 9, 2025 by Robby Oakes

Securing a mortgage can be challenging for self-employed borrowers, especially those with irregular income. Traditional lenders typically rely on W-2s and steady paychecks to assess financial stability, which can make qualifying more complex for business owners, freelancers, and gig workers. However, several mortgage options cater specifically to self-employed individuals, allowing them to secure financing based on alternative income verification methods.

Filed Under: Mortgage Tips Tagged With: Mortgage Options, Mortgages, Self-Employment

The Impact of Homeowners Associations (HOAs) on Mortgage Approval

May 7, 2025 by Robby Oakes

When purchasing a home in a community with a Homeowner’s Association (HOA), it’s important to understand how this organization can impact your mortgage approval. While HOAs provide benefits like maintaining neighborhood amenities and enforcing community standards, they also add financial obligations that lenders consider when evaluating your loan application.

Filed Under: Mortgage Tips Tagged With: HOAs, Mortgage Approval, Mortgages

The Benefits of Online Mortgage Calculators for Borrowers

May 6, 2025 by Robby Oakes

Buying a home is one of the most significant financial decisions a person can make, and understanding the costs involved is essential. Online mortgage calculators have become a valuable tool for borrowers, helping them estimate monthly payments, compare loan options, and determine affordability, all from the convenience of their computer or phone.

Filed Under: Mortgage Tips Tagged With: Financial Planning, Mortgage Calculators, Mortgage Planning

Mortgage Options as a Visa or Green Card Holder

May 2, 2025 by Robby Oakes

Buying a home is an exciting milestone, but if you are on a visa or have a green card, you may wonder how your immigration status impacts your mortgage options. The good news is that many lenders offer home loans to non-citizens, though the process may involve additional requirements. Understanding your options can help you navigate the path to homeownership with confidence.

Filed Under: Mortgage Tips Tagged With: Mortgage Options, Mortgage Tips, Visa Holder

Can I Roll Closing Costs Into My Mortgage to Reduce My Upfront Expenses?

May 1, 2025 by Robby Oakes

Buying a home is an exciting milestone, but it also comes with a range of upfront costs that can add up quickly. One of the biggest financial concerns for many homebuyers is closing costs. These expenses, which typically range from 2 to 5 percent of the home’s purchase price, can put a strain on your budget. If you are wondering whether you can roll your closing costs into your mortgage to reduce your upfront expenses, the answer depends on the type of loan you are using and your lender’s guidelines.

Filed Under: Mortgage Tips Tagged With: Closing Costs, Home Financing, Mortgage Loans

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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