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Loan-to-Value Ratio (LTV): The Key to Mortgage Approval

January 17, 2024 by Robby Oakes

Securing a mortgage is a significant milestone on the path to homeownership. As you embark on this journey, you’ll likely encounter various terms and ratios that play a crucial role in the approval process. One such essential factor is the Loan-to-Value ratio, commonly known as LTV.

Filed Under: Mortgage Tagged With: LTV, Mortgage, Mortgage Approval

Understanding, Avoiding, and Mitigating Early Mortgage Repayment Fees

January 5, 2024 by Robby Oakes

Mortgage prepayment penalties are fees charged by lenders when borrowers pay off their mortgages before the agreed-upon term. These penalties are designed to compensate lenders for potential lost interest income and can significantly impact borrowers who want to pay off their mortgages early.

Filed Under: Mortgage Tagged With: Mortgage, Mortgage Fees, Penalties

15-Year vs. 30-Year Loans Compared

January 4, 2024 by Robby Oakes

Choosing the right mortgage term is a critical decision when purchasing a home. The two most common options are 15-year and 30-year mortgage terms. Let’s compare the advantages and disadvantages of each to help you make an informed decision:

Filed Under: Mortgage Tagged With: 15-Year, Loan Options, Mortgage

The Benefits of Construction-to-Permanent Loans

December 22, 2023 by Robby Oakes

Embarking on a home construction project is an exciting journey that can lead to your dream home becoming a reality. However, the financial aspects of building a home can be challenging to navigate. This is where construction-to-permanent loans come into play.

Filed Under: Mortgage Tagged With: Construction Loan, Mortgage

Unraveling the Impact of Appraisal Value

December 15, 2023 by Robby Oakes

The journey to homeownership is a thrilling adventure, but it comes with its fair share of challenges. One crucial aspect that can significantly influence the mortgage process is the appraisal value of your prospective home.

Filed Under: Mortgage Tagged With: Appraisal, Appraisal Value, Mortgage

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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