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

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Mortgages for Parents With Young Kids and What to Consider

January 7, 2026 by Robby Oakes

Buying a home when you have young kids brings unique challenges, but it also creates opportunities to build stability for your family. Your priorities might look different from other homebuyers, and your financial decisions may need to reflect the needs of a growing household. By planning ahead and understanding what matters most, you can choose a mortgage that supports your budget, your lifestyle, and your long-term goals as a parent.

Filed Under: Mortgage Tips Tagged With: Family Finances, Home Buyers, Mortgage Tips

Mortgage Impacts of Using Venmo, Cash App, or PayPal for Income

January 6, 2026 by Robby Oakes

More people are earning money through freelancing, side gigs, digital work, consulting, and online sales. Because of this, it is common for income to flow through platforms like Venmo, Cash App, or PayPal instead of traditional direct deposits. While these tools make it easy to get paid, they can also affect your mortgage application in ways many buyers do not expect. Understanding how lenders view these platforms can help you prepare long before you apply for a home loan.

Filed Under: Mortgage Tips Tagged With: First Time Buyers, Mortgage Tips, Self-employed Buyers

What’s Ahead For Mortgage Rates This Week – January 5th, 2026

January 5, 2026 by Robby Oakes

With the only notable item on the schedule being the release of the Federal Reserve minutes, which reflect the current stance of the Fed, virtually nothing has changed since the last rate cut. The Federal Reserve is expected to continue its wait-and-see approach.

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

Starting the New Year with Smart Home Financing

January 2, 2026 by Robby Oakes

The New Year is a natural time to pause, reset, and think intentionally about financial goals. For many buyers and homeowners, real estate and home financing are part of that plan. Whether you are considering purchasing a home, refinancing, or simply positioning yourself for future opportunities, starting the year with a clear strategy can make a meaningful difference.

Filed Under: Mortgage Tips Tagged With: Home Buying Goals, Mortgage Planning, Smart Home Financing

Why Good Credit Score Is Not Always Enough to Secure a Mortgage

December 31, 2025 by Robby Oakes

A strong credit score gives many buyers confidence as they prepare to purchase a home. Good payment history and responsible credit use are valuable, but they do not guarantee approval. There are several other important factors that lenders review, and any one of them can slow down or stop the process.

Filed Under: Mortgage Tips Tagged With: Debt Management, Home Buying Info, Loan Approval

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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