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3 Ways To Avoid Mortgage Insurance

October 25, 2019 by Robby Oakes

When you are buying a home, you may run into a number of hurdles to complete the purchase. One of the items that you may be asked to purchase is called private mortgage insurance, often shortened to PMI. This is a unique insurance policy that your lender, such as the credit union or bank, may ask you to buy in order to protect themselves. In this insurance policy, the bank protects themselves against losing money if you end up defaulting on your loan.

Filed Under: Mortgage Tagged With: Insurance, Mortgage, PMI

How To Get Your Free Annual Credit Report And Why You Need It

October 18, 2019 by Robby Oakes

Your credit report influences whether or not you’ll qualify for a mortgage and what kind of interest you’ll pay on that loan. This isn’t something you can safely ignore. Smart homebuyers understand the importance of monitoring credit scores and credit reports. Here is some information about how to get your credit report.

Filed Under: Mortgage Tagged With: Credit Report, Credit Score, Mortgage

What Exactly Is Private Mortgage Insurance (PMI)?

October 16, 2019 by Robby Oakes

PMI, which is also called private mortgage insurance, is protect that the lender may ask the buyer to purchase. In the event that the buyer defaults on their home loan and the home enters foreclosure, the lender has a way to recoup their losses.

Filed Under: Mortgage Tagged With: Financing Options, Insurance, Mortgage

More Home Loan Options Now Available For Borrowers With Bad Credit

October 3, 2019 by Robby Oakes

For a long time after the real estate housing crisis in 2008, buyers with a poor credit history had a difficult time finding mortgage financing. It was a problem that trapped those seeking to buy a home because so many lost their homes from the inability to pay their mortgages.

Filed Under: Mortgage Tagged With: Credit Score, Financing Options, Mortgage

Expanding Opportunities For Home-Buying In ‘Opportunity Zones’

September 24, 2019 by Robby Oakes

Opportunity Zones were created by the 2017 Tax Cuts and Jobs Act to encourage investors with capital gains on other investments to invest that money in low-income and undercapitalized communities. They get a reward of deferring capital gains tax. They avoid a portion of it altogether if they keep the investment for five years or longer.

Filed Under: Mortgage Tagged With: Investment Opportunities, Market Trends, Mortgage

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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