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Robby Oakes Mortgage Team
A North Carolina Mortgage Originator Committed
to Service and Transparency

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

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How Do Mortgage Lenders Decide How Much You Can Borrow?

February 21, 2025 by Robby Oakes

When buying a home, one of the most critical factors is determining how much you can borrow through a mortgage. Lenders evaluate multiple financial aspects to assess your borrowing capacity.

Filed Under: Home Mortgages Tagged With: Credit Score, Home Buying, Mortgage Tips

To Finance Or Not To Finance

February 20, 2025 by Robby Oakes

Deciding to finance a new home can be exciting, and because of that buyers tend to want to jump right in. Not so fast! Before you start searching for your dream home, you need to get pre-approved and that means applying for a loan.

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

Common Places to Find Tax Deductions in Your Home

February 19, 2025 by Robby Oakes

Paying your income taxes each year leaves your wallet a bit thin? There may be money hiding in your home that lessens your tax burden. Here are four places to look

Filed Under: Taxes Tagged With: Home Savings, Smart Homeowner, Tax Deductions

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

February 18, 2025 by Robby Oakes

The major inflation data reports have been released, and the initial readings indicate that inflation has exceeded expectations. While the data suggests that the Federal Reserve is unlikely to allow any further rate cuts beyond those already implemented, optimism remains in the broader lending markets. This optimism is driven by expectations that the new administration may introduce changes to monetary policy in the longer term. Although inflation has come in higher than expected, it remains to be seen what next week’s PCE Index–the Federal Reserve’s preferred inflation indicator–will reveal.

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

Presidents’ Day and the American Dream of Homeownership

February 17, 2025 by Robby Oakes

Presidents’ Day is a time to reflect on leadership, vision, and the pursuit of big goals. Throughout history, homeownership has been a key part of the American Dream, a foundation for stability, growth, and opportunity.

Filed Under: Holidays Tagged With: AmericanDream, Homeownership, PresidentsDay

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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