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How Do Mortgage Points Cut Your Interest Costs?

December 7, 2023 by Robby Oakes

Those who are involved in the real estate industry likely know that mortgage rates are at an all-time low. At the same time, nobody wants to pay more for a house than they have to. Some of the most important factors that dictate how much someone is going to pay for a house include points and interest rates.

Filed Under: Mortgage Tagged With: Financing Options, Interest Rates, Mortgage

The Required Steps For A Smooth Mortgage Refinance Process

December 5, 2023 by Robby Oakes

There are lots of people who have heard that one of the top ways to ensure the best mortgage rate possible is to refinance. At the same time, it is critical to make sure that this process is planned out accordingly.

Filed Under: Mortgage Tagged With: Mortgage Rates, Mortgage Tips, Refinancing

How Will A Short Sale Affect Your Ability To Buy Another House In The Future?

November 21, 2023 by Robby Oakes

One of the most immediate consequences of a short sale is its impact on your credit score. When you sell your home for less than the amount owed on your mortgage, the lender reports the debt as “settled” or “paid less than the full amount,” which can significantly lower your credit score.

Filed Under: Mortgage Tagged With: Home Ownership, Real Estate, Short Sale

How to Go From Renting to Owning a Home

November 10, 2023 by Robby Oakes Leave a Comment

Going from renting to owning a home can be a significant financial and personal milestone, but it requires careful planning and preparation. Here are some steps to take to make the transition from renting to owning: Determine your budget: Calculate your current expenses and income to determine how much you can afford to spend on […]

Filed Under: Mortgage Tagged With: Down Payment, Mortgage, Rent To Own

Mortgage Rate Locks: When and How to Secure a Favorable Rate

November 9, 2023 by Robby Oakes Leave a Comment

Securing a mortgage to purchase your dream home is a significant financial decision. One of the essential aspects of this process is locking in a favorable mortgage rate. A mortgage rate lock ensures that the interest rate on your loan remains the same for a specified period, protecting you from potential rate fluctuations. We will […]

Filed Under: Mortgage Tagged With: Mortgage, Mortgage Rates, Rate Lock

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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