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Robby Oakes Mortgage Team
A North Carolina Mortgage Originator Committed
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Serving Chapel Hill, Durham, Raleigh, Greensboro, Wilmington, Charlotte, Morehead City and all of North Carolina.

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Can I Get a Mortgage Without a Credit Score By Using Alternative Credit History?

March 28, 2025 by Robby Oakes

When securing a mortgage, borrowers have the option to reduce their interest rate through a mortgage buydown. This strategy can help lower monthly payments, either temporarily or permanently, depending on the type of buydown chosen.

Filed Under: Mortgage Tagged With: Dream Home, Home Owner, Mortgage Approval, Mortgage Tips

The Difference Between FICO Score and Credit Score: How It Affects Your Mortgage and Rates

March 26, 2025 by Robby Oakes

When applying for a mortgage, your creditworthiness plays a significant role in determining your loan approval and interest rates. Two commonly referenced terms are FICO score and credit score, which are often used interchangeably but have distinct differences.

Filed Under: Mortgage Tagged With: Credit Score, Home Buying, Mortgage Rates

Navigating Mortgages as a Self-Employed Professional

March 25, 2025 by Robby Oakes

Securing a mortgage as a self-employed professional can be more challenging than for traditional W-2 employees, but with the right preparation and documentation, it is entirely achievable. Here’s a guide to help you navigate the process.

Filed Under: Mortgage Tagged With: Financial Planning, Homeownership, Mortgage Tips

What’s Ahead For Mortgage Rates This Week – March 24th, 2025

March 24, 2025 by Robby Oakes

The previous week had the Federal Reserve making their first rate decision since the Trump administration had taken office. With many uncertainties about the current direction of things, the Federal Reserve had decided there would not be any change necessary to the current rates. Stating that the current inflation and economic conditions have largely been a result of the Trump administration’s policies on tariffs. Chairman Powell has been strongly dovish at this point, stating they would need to “see how things actually work out.” There were a slew of other minor data releases but none were far reaching in their impact on the economy and current direction of things.

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

Mortgage Options for Non-U.S. Citizens

March 21, 2025 by Robby Oakes

Purchasing a home in the U.S. as a non-U.S. citizen is entirely possible, but the process comes with unique requirements and considerations. Whether you are a permanent resident, temporary visa holder, or foreign national, understanding the available mortgage options can help you navigate the path to homeownership successfully.

Filed Under: Mortgage Tips Tagged With: Foreign National Loan, Home Ownership, Mortgage Loans

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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