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How to Determine Your Ideal Monthly Mortgage Payment

July 24, 2025 by Robby Oakes

Buying a home is one of the most exciting financial decisions you will ever make, but understanding what you can comfortably afford each month is essential for long-term success. Your ideal monthly mortgage payment should not just fit within your budget today, but also allow for financial flexibility and security in the future.

Filed Under: Mortgage Tips Tagged With: Financial Planning, Home Buying Tips, Mortgage Budget

Are Low Down Payment Programs Right for You?

July 22, 2025 by Robby Oakes

Purchasing a home is a significant milestone, but for many buyers, saving for a large down payment can feel overwhelming. Thankfully, low down payment programs can offer a solution, making homeownership more accessible than ever before. However, before choosing one of these options, it is important to understand both the benefits and potential drawbacks.

Filed Under: Mortgage Tips Tagged With: First-Time Home Buyer, Home Loan Options, Low Down Payment

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

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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