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How Financial Habits Today Shape Your Home Options Tomorrow

February 13, 2026 by Robby Oakes

Homeownership does not begin with a signed contract or a set of keys. It begins quietly; through the financial habits you build long before buying a home feels real. Many consumers assume the homebuying process starts when they are ready to shop, but everyday choices made months or years earlier often determine what options are available later.

Filed Under: Mortgage Tips Tagged With: Financial Habits, Homeownership Planning, Mortgage Education

The Emotional Side of Getting a Mortgage No One Talks About

February 12, 2026 by Robby Oakes

Mortgages are often discussed in numbers and paperwork, but rarely in emotions. Yet emotions play a significant role in the experience. Understanding that emotional component can help buyers feel more grounded and confident.

Filed Under: Mortgage Tips Tagged With: Home Buying Emotions, Homeownership Journey, Mortgage Support

Mortgage Tips for Recent Graduates Entering the Workforce

January 28, 2026 by Robby Oakes

Starting your career is an exciting milestone, and for many recent graduates, the idea of becoming a homeowner feels closer than ever. While student loans, new job transitions, and building credit can make the mortgage process feel overwhelming, you have more options and advantages than you may realize. With the right preparation, you can move toward homeownership confidently and avoid common first-time buyer mistakes.

Filed Under: Mortgage Tips Tagged With: First-Time Home Buyer, Mortgage Tips, Recent Graduates

What to Know About Fractional Homeownership and Mortgages

January 8, 2026 by Robby Oakes

Fractional homeownership is becoming more popular as buyers look for creative ways to enjoy a second home or vacation property without taking on the full cost. Instead of owning one home entirely, you purchase a fraction of the property and share ownership with several other people. While the idea sounds simple, fractional ownership comes with unique rules, financing challenges, and long-term commitments that every buyer should understand before moving forward.

Filed Under: Mortgage Tips Tagged With: Fractional Ownership, Mortgage Tips, Vacation Homes

Mortgages for Parents With Young Kids and What to Consider

January 7, 2026 by Robby Oakes

Buying a home when you have young kids brings unique challenges, but it also creates opportunities to build stability for your family. Your priorities might look different from other homebuyers, and your financial decisions may need to reflect the needs of a growing household. By planning ahead and understanding what matters most, you can choose a mortgage that supports your budget, your lifestyle, and your long-term goals as a parent.

Filed Under: Mortgage Tips Tagged With: Family Finances, Home Buyers, Mortgage Tips

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Robby Oakes


Robby Oakes

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NMLS# 91606

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