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

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Will Missing Mortgage Payments Impact My FICO Score? Yes – and Here’s How

August 11, 2015 by Robby Oakes

If you’re like most homeowners, you probably believe that one missed mortgage payment won’t have a noticeable impact on your FICO score. People get behind now and then, and besides, you’ve been faithfully making payments on time for years. How bad could it be?

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgages, Mortgages and Credit

What’s Ahead For Mortgage Rates This Week – August 10, 2015

August 10, 2015 by Robby Oakes

This week’s scheduled economic news includes reports on construction spending, a survey of senior loan officers, and reports on labor markets including ADP private sector jobs, the federal government’s reports on non-farm payrolls, core inflation and the national unemployment rate.

Filed Under: Market Outlook Tagged With: Construction Spending, Federal Reserve, FOMC, Freddie Mac

Tiny, but Cozy: 3 Ways to Furnish Small Spaces to Make Them Feel Much Larger

August 7, 2015 by Robby Oakes

When decorating a small space, there is a general desire to make the space look and feel larger than it is while also meeting basic functional needs in the room. By following a few important tips, it is possible to furnish smaller spaces so that they are functional and do not feel cramped.

Filed Under: Around The Home Tagged With: Around The Home, Real Estate Tips, Upgrades and Renovations

3 Closing Costs That Most Buyers Forget to Factor in and What You Can Expect to Pay

August 6, 2015 by Robby Oakes

If you’re in the process of buying a home, you probably have your deposit and monthly mortgage charges in a spreadsheet, along with a chart of your other expenses and your monthly income. But when it comes to buying a home, there are lots of different costs that will come into play – and it’s easy to forget something. When you’re preparing to close on your new home, make sure you consider these three closing costs that most buyers forget.

Filed Under: Home Buyer Tips Tagged With: Buying a Home, Closing Costs, Home Buyer Tips

The Down Payment: Four Great Reasons To Make The Largest Down Payment You Can Afford

August 5, 2015 by Robby Oakes

If you’re looking for a new home, you’ve probably heard lots of advice about down payments. About how it’s okay to just have a five percent down payment – you’ll still get approved. About how you should make the down payment as small as possible to avoid cash flow problems. Here are just four reasons why you should make the largest down payment possible.

Filed Under: Home Mortgage Tips, Personal Finance Tagged With: Down Payments, Home Mortgage Tips, Mortgages

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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