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

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What’s Ahead For Mortgage Rates This Week – July 14th, 2025

July 14, 2025 by Robby Oakes

This was an extremely light release week with only the Consumer Credit Report. The amount of expected credit was expected to rise but only showed half the growth — a sign that things are still in stable condition. The most important reports will be featured with next week’s releases of inflation data in the Consumer Price Index (CPI) and the Producer Price Index (PPI), as well as the Federal Reserve’s Beige book. The Trump Administration has also further extended the pauses on the tariffs which has been a welcome relief.

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

Creative Strategies for Managing Mortgage Payments During Financial Hardship

July 11, 2025 by Robby Oakes

Financial hardship can happen for many reasons — job loss, medical emergencies, rising expenses, or unexpected life changes. One of the most important steps homeowners can take is to recognize early signs of financial strain. If your savings are shrinking, your income has dropped, or monthly bills are piling up, it is time to take action before falling behind on your mortgage.

Filed Under: Mortgage Tips Tagged With: Financial Hardship, Mortgage Payments, Mortgages

Creative Ways to Use Rent-to-Own Agreements to Buy a Home

July 10, 2025 by Robby Oakes

A rent-to-own agreement is a contract that allows a tenant to rent a home with the option to buy it later. Part of the monthly rent payment typically goes toward the future down payment or purchase price. This approach can be ideal for buyers who need more time to improve their credit, save money, or get financially ready for homeownership. It blends the flexibility of renting with the long-term goal of owning.

Filed Under: Home Buyer Tips Tagged With: First-Time Home Buyer, Home Buying Tips, Rent-to-Own Agreements

The Psychology of Homebuying and Emotions vs. Financial Logic

July 9, 2025 by Robby Oakes

Buying a home is not just a financial decision, it is an emotional one too. For many people, homeownership represents stability, success, and personal freedom. Whether it is the excitement of finding your dream kitchen or imagining holidays with family, emotions naturally come into play. These feelings can create a strong connection to a property and often influence the decisions buyers make, sometimes even more than logic does.

Filed Under: Home Buyer Tips Tagged With: Emotions vs Logic, First-Time Home Buyer, Home Buying Tips

How to Finance Energy-Efficient Home Improvements with a Mortgage

July 8, 2025 by Robby Oakes

As more homeowners look for ways to reduce utility bills and make their homes environmentally friendly, energy-efficient improvements have become a smart investment. The good news is that you do not need to pay out of pocket for all the upgrades at once. There are mortgage financing options that allow you to make energy-efficient improvements while also making your home more comfortable and affordable in the long run.

Filed Under: Mortgage Tagged With: Energy Efficiency, Green Mortgage, Home Upgrades

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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