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How to Pay Off Your Mortgage 10 Years Early Without Extra Payments

June 4, 2025 by Robby Oakes

If you’re like most homeowners, the idea of paying off your mortgage early sounds amazing–more freedom, fewer monthly expenses, and peace of mind. But what if you could shave 10 years off your mortgage without making extra payments each month? Sounds too good to be true? It’s not! There are smart strategies that don’t require more money out of pocket, just a little planning and a fresh approach.

Filed Under: Mortgage Tagged With: Early Payoff, Home Ownership Goals, Mortgage Tips

Will Multiple Mortgage Applications Hurt Your Credit Score?

June 3, 2025 by Robby Oakes

When you are ready to buy a home, it is natural to shop around for the best mortgage rate and terms. But you may have heard that submitting multiple loan applications can damage your credit score and throw a wrench in your homebuying plans. Here is the truth behind hard inquiries, rate shopping, and how to protect your credit while securing the best deal.

Filed Under: Mortgage Tagged With: Credit Score, Home Buying, Mortgage Tips

Sweet Loans for Every Taste: Which Mortgage Treat Is Right for You?

May 29, 2025 by Robby Oakes

Let’s face it, picking the right mortgage can feel overwhelming. But what if we made it more fun? Think of home loans like candy bars: each one has a distinct flavor, a specific audience, and its own perfect time and place. Whether you’re buying your first home, building your dream house, or tapping into retirement equity, there’s a mortgage match made just for you.

Filed Under: Mortgage Tagged With: Loan Flavors, Mortgage Humor, Mortgage Made Fun

The Impact of Rental Income on Mortgage Qualification

May 8, 2025 by Robby Oakes

For real estate investors and homeowners looking to purchase additional properties, rental income can play a crucial role in mortgage qualification. Lenders often consider this income when assessing a borrower’s ability to repay a loan, but the way it is calculated and applied varies based on different loan programs and underwriting guidelines. Understanding how rental income factors into mortgage approval can help buyers maximize their borrowing potential and secure favorable financing terms.

Filed Under: Mortgage Tagged With: Mortgage Applications, Mortgage Qualification, Rental Income

What Every Buyer Should Know About Home Appraisals

April 18, 2025 by Robby Oakes

Buying a home is an exciting yet complex process, and one critical step often catches buyers off guard—the home appraisal. This professional evaluation determines the fair market value of a property, ensuring that both you and your lender are making a sound investment. Understanding how appraisals work can help you navigate this stage with confidence and avoid potential roadblocks.

Filed Under: Mortgage Tagged With: Home Buying, Mortgage101, Real Estate Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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