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How to Leverage Down Payment Assistance (DPA) Loans for Your Home Purchase

July 30, 2024 by Robby Oakes

Purchasing a home is a significant milestone, but the process can be intimidating, especially when it comes to saving for a down payment. Fortunately, Down Payment Assistance (DPA) loans offer a solution that can make homeownership more accessible.

Filed Under: Mortgage Tagged With: Down Payment Assistance, Home Buying, Home Ownership

Fixed vs. Graduated vs. Interest-Only Mortgage Amortization

July 25, 2024 by Robby Oakes

When selecting a mortgage, one of the most critical decisions is choosing the right amortization schedule. This choice significantly impacts your monthly payments and the total interest you’ll pay over the life of the loan.

Filed Under: Mortgage Tagged With: Fixed Rate Mortgage, Graduated Mortgage, Interest Only Mortgage

Can You Refinance a Reverse Mortgage Loan?

July 18, 2024 by Robby Oakes

When you first opted for a reverse mortgage, it might have felt like the perfect solution to tap into your home equity and enjoy your retirement without monthly mortgage payments. As time passes, your financial situation, goals, or the market itself can change, making you wonder:

Filed Under: Mortgage Tagged With: Financial Planning, Refinancing Home, Reverse Mortgage

The Difference Between Pending And Contingent Deals

July 12, 2024 by Robby Oakes

The real estate market can be a bit confusing, especially when you encounter terms like “pending” and “contingent” deals. Understanding these terms is crucial whether you’re a buyer or a seller, as they can significantly impact the progression of a property transaction.

Filed Under: Mortgage Tagged With: Contingencies, Mortgage Basics, Real Estate

The Pros and Cons of Mortgage Life Insurance

July 5, 2024 by Robby Oakes

Mortgage life insurance is a type of policy designed to pay off your mortgage in the event of your death. As with any financial product, it has its pros and cons. Understanding these can help you determine whether it makes sense for your situation.

Filed Under: Mortgage Tagged With: Insurance Coverage, Mortgage, Mortgage Life Insurance

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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