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

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The Role of Credit Inquiries in Mortgage Approval

October 17, 2025 by Robby Oakes

When preparing to apply for a mortgage, it is important to understand how credit inquiries can impact your chances of approval. Lenders use your credit report to assess risk, and every inquiry can play a role in how they view your financial stability. By knowing the difference between soft and hard inquiries, borrowers can make smarter decisions and protect their credit scores during the home buying process.

Filed Under: Mortgage Tagged With: Credit Inquiries, Mortgage Approval, Mortgages

How Changing Jobs Affects Mortgage Approval

October 16, 2025 by Robby Oakes

Switching jobs can be an exciting step in your career, but for homebuyers, it can also raise questions about mortgage approval. Lenders evaluate income stability when considering a mortgage application, and a recent job change can influence how they view your ability to repay the loan. Understanding how a new position impacts your application can help you plan strategically and improve your chances of approval.

Filed Under: Home Buyer Tips Tagged With: Changing Jobs, Mortgage Approval, Mortgage Tips

Balloon Mortgages Explained

October 15, 2025 by Robby Oakes

Balloon mortgages are a unique type of home loan that can be attractive to some borrowers, but they also carry specific risks. Unlike traditional mortgages with consistent payments over the life of the loan, balloon mortgages involve smaller monthly payments for a set period, followed by a large lump sum payment at the end.

Understanding how balloon mortgages work, who they are suited for, and potential pitfalls can help you make an informed decision before committing.

Filed Under: Mortgage Tagged With: Balloon Mortgages, Mortgage Planning, Mortgages

Mortgage Protection and Insurance for Your Home Loan

October 14, 2025 by Robby Oakes

When buying a home, mortgage insurance can be an important but often misunderstood component of your loan. It is designed to protect lenders from the risk of borrower default, but it can also impact your monthly payments and overall loan cost. Knowing the types of mortgage insurance, when it is required, and how to manage it can help you make informed decisions and potentially save money over the life of your loan.

Filed Under: Mortgage Tips Tagged With: Home Financing, Mortgage Protection, Mortgage Tips

What’s Ahead For Mortgage Rates This Week – October 13th, 2025

October 13, 2025 by Robby Oakes

Due to the government shutdown, nearly all reports will be delayed aside from a few third party reports. The Consumer Sentiment report has been released on time and shows that consumers are still frustrated with the economy and increasingly high inflation. It is unknown when the government shutdown will end and when we will be seeing reports released again in a timely fashion. Interest rates will still be continued to be adjusted amidst the government shutdown.

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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