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

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Can You Use Rental Income to Qualify for a Mortgage?

August 22, 2025 by Robby Oakes

When it comes to qualifying for a mortgage, your income plays a key role in determining how much you can borrow. For many buyers, especially those interested in investment properties or who plan to rent out part of their home, the question is whether rental income can be counted toward their mortgage qualification. The good news is that in many cases, rental income can help, but there are specific rules and documentation requirements you will need to meet.

Filed Under: Mortgage Tips Tagged With: Mortgage Tips, Qualifying For A Mortgage, Rental Income

How to Avoid Mortgage Burnout

August 21, 2025 by Robby Oakes

Buying a home is one of the most exciting milestones in life, but it can also be one of the most exhausting. From house hunting and comparing loan options to managing the financial paperwork and deadlines, the process can become overwhelming. Mortgage burnout happens when the stress and demands of the home buying journey begin to wear you down, making it harder to stay focused and positive. The good news is there are ways to protect yourself from burnout and keep the process manageable.

Filed Under: Mortgage Tips Tagged With: Home Buying Journey, Mortgage Advice, Mortgage Burnout

How to Qualify for a Mortgage While Carrying Credit Card Debt

August 20, 2025 by Robby Oakes

Many potential homebuyers worry that carrying credit card debt will prevent them from qualifying for a mortgage. While it is true that lenders carefully evaluate your financial profile, having credit card balances does not automatically disqualify you. By understanding how lenders view debt, taking strategic steps to improve your application, and choosing the right mortgage program, you can still achieve your goal of homeownership.

Filed Under: Home Buyer Tips Tagged With: Credit Card Debt, Homeownership, Obtaining a Mortgage

The Mortgage Options That Make It Possible to Buy a Fixer-Upper

August 19, 2025 by Robby Oakes

Buying a fixer-upper can be an exciting way to get into a desirable neighborhood at a lower price point, while also creating a home that reflects your style and needs. However, financing a property that needs significant repairs can be challenging if you are only looking at traditional mortgage products. The good news is there are several mortgage options designed specifically for buyers who are ready to take on a renovation project. Understanding these options can help you choose the right path to turn a home with potential into your dream property.

Filed Under: Mortgage Tips Tagged With: Fixer-Upper, Mortgage Options, Renovation Loans

What’s Ahead For Mortgage Rates This Week – August 18th, 2025

August 18, 2025 by Robby Oakes

This will be the first release of the CPI and PPI data wherein the data collected and used to determine the current inflation has been reduced. The Producer Price Index has shown quite clearly that there has been the biggest whole price jump in the last 3 years, showing that the administration’s policies on tariffs are having an impact. The CPI has shown a similar increase in inflation, but still within expectations in lieu of the current tariff policies.

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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