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Robby Oakes Mortgage Team
A North Carolina Mortgage Originator Committed
to Service and Transparency

Serving Chapel Hill, Durham, Raleigh, Greensboro, Wilmington, Charlotte, Morehead City and all of North Carolina.

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Loan-to-Value Ratio (LTV): The Key to Mortgage Approval

January 17, 2024 by Robby Oakes

Securing a mortgage is a significant milestone on the path to homeownership. As you embark on this journey, you’ll likely encounter various terms and ratios that play a crucial role in the approval process. One such essential factor is the Loan-to-Value ratio, commonly known as LTV.

Filed Under: Mortgage Tagged With: LTV, Mortgage, Mortgage Approval

What’s Ahead For Mortgage Rates This Week – January 16th, 2024

January 16, 2024 by Robby Oakes

With the release of the CPI and PPI we received a clearer picture of what’s ahead. With the inflation numbers for CPI (Consumer Price Index) arriving a bit warmer than expected, there was some speculation that it could cause some hesitation from the Federal Reserve on reducing rates for this year.

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Reflecting on MLK Day: A Celebration of Equality and Justice

January 15, 2024 by Robby Oakes

Martin Luther King Jr. Day serves as a touching reminder of the permanent mark left by one of the most influential figures in the American civil rights movement

Filed Under: Holiday Tips Tagged With: Equality, Justice for All, MLK Day

Balancing Educational Debt with Homeownership Goals

January 12, 2024 by Robby Oakes

In the pursuit of the American dream, many individuals find themselves walking a tightrope between educational aspirations and the desire to own a home. The burden of student loan debt can often seem impossible, making the prospect of homeownership feel like a distant dream.

Filed Under: Student Loans Tagged With: budgeting, Mortgage, student loans

First-Time Homebuyer’s: Understanding Mortgage Terminology

January 11, 2024 by Robby Oakes

Obtaining a mortgage can seem to be filled with perplexing terms and concepts. Don’t worry, though – we’re here to decode the complexities and make it easy for you to navigate the mortgage landscape with confidence.

Filed Under: Home Mortgage Tips Tagged With: First Time Buyer, Mortgage, Principal

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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