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Creative Strategies for Managing Mortgage Payments During Financial Hardship

July 11, 2025 by Robby Oakes

Financial hardship can happen for many reasons — job loss, medical emergencies, rising expenses, or unexpected life changes. One of the most important steps homeowners can take is to recognize early signs of financial strain. If your savings are shrinking, your income has dropped, or monthly bills are piling up, it is time to take action before falling behind on your mortgage.

Filed Under: Mortgage Tips Tagged With: Financial Hardship, Mortgage Payments, Mortgages

How Homeownership Builds Generational Wealth – A Message for National Homeownership Month

June 25, 2025 by Robby Oakes

June is National Homeownership Month, a time to celebrate the lasting impact that owning a home can have on individuals and families. One of the most powerful benefits of homeownership is the ability to build equity. As you make mortgage payments, you are gradually increasing your ownership stake in the property. This equity becomes a form of forced savings and can be used in the future for things like education, home improvements, or retirement. Unlike rent, which builds no future value, mortgage payments create wealth over time.

Filed Under: Mortgage Tips Tagged With: Family Legacy, Generational Wealth, National Homeownership Month

Renting vs. Owning the National Homeownership Month Edition

June 24, 2025 by Robby Oakes

June is National Homeownership Month and there is no better time to look at the long-term financial benefits of owning a home compared to renting. As a mortgage professional, I often speak with clients who are unsure whether to keep renting or make the leap into homeownership. The decision can feel overwhelming, but when you break down the numbers and look at the bigger picture, the advantages of buying a home are clear.

Filed Under: Mortgage Tips Tagged With: Homeownership Matters, National Homeownership Month, Rent vs Own

Creative Strategies for Saving on Closing Costs

June 13, 2025 by Robby Oakes

When you are budgeting for a new home, it’s easy to focus on the down payment, but do not forget the closing costs. These fees typically range from 2% to 5% of the home’s purchase price and cover things like the appraisal, title search, loan origination, and other administrative expenses. For many buyers, especially first-timers, they can feel like an unwelcome surprise.

The good news? There are creative, effective ways to reduce these expenses and make homeownership more affordable.

Filed Under: Mortgage Tips Tagged With: Closing Cost Tips, Homeownership Goals, Mortgage Tips

How to Leverage Home Equity for Financial Freedom

June 12, 2025 by Robby Oakes

If you’ve owned your home for a few years, chances are you have built up equity, maybe more than you realize. But what exactly is home equity, and how can you use it to build wealth, reduce debt, or increase financial flexibility?

We will discuss how homeowners are turning their built-up equity into tools for financial freedom, and how you can, too.

Filed Under: Mortgage Tips Tagged With: Equity Matters, Financial Freedom, Home Equity

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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