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Smart Ways to Protect Your Credit Score Before Applying for a Mortgage

December 16, 2025 by Robby Oakes

Your credit score plays a major role in the mortgage process. It helps determine whether you qualify for a loan, how much you can borrow, and the interest rate you may receive. Even small changes to your credit profile can impact your long-term cost of homeownership. The good news is that there are clear steps you can take to protect your score and position yourself for better mortgage options.

Filed Under: Mortgage Tips Tagged With: Credit Score, Financial Planning, Mortgage Tips

Mortgage Planning for Long-Distance Relationships Becoming Local

December 11, 2025 by Robby Oakes

When two people in a long-distance relationship decide to finally live in the same city, the excitement is huge, and so are the financial decisions that come with it. Moving from long-distance to local often means navigating new jobs, new routines, and possibly a new home purchase.

Filed Under: Mortgage Tips Tagged With: Long-Distance Relationships, Mortgage Planning, Mortgage Tips

How to Avoid Overpaying for Homeowners Insurance with Your Mortgage

December 10, 2025 by Robby Oakes

When you buy a home with a mortgage, homeowners’ insurance is not optional, it is required. Lenders need to know the property is protected, and you need the peace of mind that comes with knowing your largest investment is covered. The challenge is that many homebuyers end up paying too much for their policy without even realizing it. With a little preparation, you can avoid overpaying and make sure your insurance matches your true needs rather than one size that fits all approach.

Filed Under: Mortgage Tips Tagged With: Home Buyers, Mortgage Tips, New Homeowners

What Are the Pros and Cons of No Deposit Mortgage Loans

December 9, 2025 by Robby Oakes

No deposit mortgage loans can sound appealing to buyers who want to purchase a home without spending years saving for a down payment. While these loans offer clear advantages, they also come with risks and responsibilities that every buyer should consider before moving forward.

Filed Under: Mortgage Tips Tagged With: First Time Buyer, Home Buyers, Mortgages

You Ask, We Answer: How to Choose Between Expanding Your Current Home and Buying a New One

December 5, 2025 by Robby Oakes

Does your home feel like it’s starting to burst at the seams? Many homeowners across the country can relate to this feeling having bought a home only to run out of space due to a growing family or for other reasons. Let’s take a quick look at a few questions that will help you to determine whether buying a new home or expanding your current home is the best choice when you’re in need of some extra space.

Filed Under: Mortgage Tips Tagged With: Mortgage Planning, Mortgages, Refinancing

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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