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

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The Top 3 Home Loan Programs First-Time Buyers Should Consider

April 11, 2025 by Robby Oakes

Buying your first home is an exciting milestone, but navigating the mortgage process can feel overwhelming. With so many loan options available, it is important to choose one that best suits your financial situation and long-term goals. Here are three of the most popular home loan programs that first-time buyers should consider.

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

Why Your Mortgage Rate Isn’t the Same as the One Advertised Online

April 10, 2025 by Robby Oakes

Shopping for a mortgage can be exciting, but it can also be confusing when you see a low advertised rate online, only to be quoted a different rate when you apply. While this can be frustrating, there are several reasons why your actual mortgage rate may differ from what you initially expected. The good news is that understanding these factors can help you make informed decisions and secure the best possible rate for your financial situation.

Filed Under: Mortgage Tips Tagged With: Finacial Success, Interest Rates, Mortgage Tips

The Airbnb Factor and How Renting Out a Room Can Help You Qualify for a Mortgage

April 9, 2025 by Robby Oakes

With rising home prices and strict lending requirements, many aspiring homeowners are looking for creative ways to strengthen their mortgage applications. One potential game-changer? Renting out a room on Airbnb or another short-term rental platform. This additional income stream could help you qualify for a mortgage and make homeownership more affordable.

Filed Under: Mortgage Tips Tagged With: Airbnb Income, Home Buying, Mortgage Tips

How Your Netflix Subscription Might Affect Your Mortgage Approval

April 8, 2025 by Robby Oakes

When applying for a mortgage, you expect lenders to scrutinize your income, credit score, and debt-to-income ratio. But did you know that your Netflix subscription–or any other recurring expense–could play a role in your approval?

Filed Under: Mortgage Tips Tagged With: Financial Health, Home Loan Approval, Mortgage Tips

What’s Ahead For Mortgage Rates This Week – April 7th, 2025

April 7, 2025 by Robby Oakes

The previous week has seen tremendous impacts with the Trump administration’s recently revealed tariff policies, sparking widespread concern about their broad economic effects. These concerns have already led to rapid contractions in multiple markets.

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

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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