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Equity Loan and HELOC vs. Reverse Mortgage – What’s the Difference?

April 24, 2018 by Robby Oakes

There are times in our lives when the idea of freeing up cash becomes desirable or necessary. Near retirement, this is a common consideration. The typical financial tool that many retirees want to know about is a reverse mortgage, but it’s not the only equity tool available.

Filed Under: Mortgage Tagged With: HELOC, Home Equity, Reverse Mortgage

Pros and Cons of Adjustable Rate Mortgages

April 18, 2018 by Robby Oakes

When you are in the market for a new home, you may be faced with numerous options for financing your home. One of the choices you will have to make is whether to apply for a fixed or adjustable rate mortgage. In some cases, an adjustable rate mortgage (ARM) may be your best option, but keep in mind, they are not the answer for everyone.

Filed Under: Mortgage Tagged With: Adjustable Rate Mortgage, Mortgage, Prepayment

Should You Pay Discount Points When You Get Your Mortgage?

April 17, 2018 by Robby Oakes

One of the challenges you will face when deciding how much money to put down on your new home is whether to put down a larger down payment or to take a bit of money from your down payment and use it to buy “discount points” to lower your interest rate.

Filed Under: Mortgage Tagged With: Discount Points, Mortgage, Tax Deduction

Look Beyond The Interest Rate: What Else Matters When Choosing A Mortgage Lender?

April 12, 2018 by Robby Oakes

Most consumers securing a mortgage plan to remain in that loan for 30 years. During that time, the borrower maintains a relationship with the loan servicer or lender. Most often, home buyers do not think twice about who the mortgage lender is, but rather focus on the interest rates offered.

Filed Under: Mortgage Tagged With: Interest Rates, Mortgage, Mortgage Lenders

How The 2018 Tax Changes Can Affect Your Mortgage

April 11, 2018 by Robby Oakes

When the chatter was at its peak on the 2018 tax law changes being proposed, one of the big areas of concern for homeowners was the elimination of the mortgage interest deduction. Right behind that issue was a similar treatment with regards to property tax deductions.

Filed Under: Mortgage Tagged With: Mortgage, Tax Deduction, Taxes

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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