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Robby Oakes Mortgage Team
A North Carolina Mortgage Originator Committed
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Serving Chapel Hill, Durham, Raleigh, Greensboro, Wilmington, Charlotte, Morehead City and all of North Carolina.

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The Airbnb Factor and How Renting Out a Room Can Help You Qualify for a Mortgage

April 9, 2025 by Robby Oakes

With rising home prices and strict lending requirements, many aspiring homeowners are looking for creative ways to strengthen their mortgage applications. One potential game-changer? Renting out a room on Airbnb or another short-term rental platform. This additional income stream could help you qualify for a mortgage and make homeownership more affordable.

Filed Under: Mortgage Tips Tagged With: Airbnb Income, Home Buying, Mortgage Tips

How Your Netflix Subscription Might Affect Your Mortgage Approval

April 8, 2025 by Robby Oakes

When applying for a mortgage, you expect lenders to scrutinize your income, credit score, and debt-to-income ratio. But did you know that your Netflix subscription–or any other recurring expense–could play a role in your approval?

Filed Under: Mortgage Tips Tagged With: Financial Health, Home Loan Approval, Mortgage Tips

What’s Ahead For Mortgage Rates This Week – April 7th, 2025

April 7, 2025 by Robby Oakes

The previous week has seen tremendous impacts with the Trump administration’s recently revealed tariff policies, sparking widespread concern about their broad economic effects. These concerns have already led to rapid contractions in multiple markets.

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

Understanding the Role of the Federal Reserve in Mortgage Rates

April 4, 2025 by Robby Oakes

When you’re thinking about buying a home, you may hear a lot about mortgage rates going up or down. But have you ever wondered what causes these changes? One of the biggest influences on mortgage rates is the Federal Reserve, often called “the Fed.” While the Fed doesn’t set mortgage rates directly, its policies play a major role in how much you’ll pay for your home loan. Let’s break it down in simple terms:

Filed Under: Mortgage Rates Tagged With: Federal Reserve, Mortgage Advice, Mortgage Rates

The Importance of Communication Between Mortgage Originators and Clients

April 3, 2025 by Robby Oakes

Effective communication between mortgage originators and clients is essential in ensuring a smooth, stress-free home financing process. Purchasing a home is one of the biggest financial decisions a person can make, and navigating the mortgage process can be overwhelming. Strong communication helps clients understand their options, stay informed, and ultimately secure the best loan for their needs.

Filed Under: Mortgage Tips Tagged With: Client Trust, Communication, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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