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How Buy Now Pay Later Debt Can Affect Your Mortgage Application

December 23, 2025 by Robby Oakes

Buy Now Pay Later services have become a popular way to spread out small purchases, and for many buyers, these plans feel harmless. The payment amounts are usually small, the approval process is quick, and the apps are easy to use. What many future homebuyers do not realize is that Buy Now Pay Later activity can affect a mortgage application in ways that may not be obvious. Understanding how this type of debt shows up in your financial profile can help you prepare before you apply for a mortgage.

Filed Under: Mortgage Tips Tagged With: Budgeting Tips, Mortgage Education, Mortgage Tips

5 Financial Tasks to Tackle Before the New Year

December 11, 2024 by Robby Oakes

As the year draws to a close, it’s the perfect time to take stock of your financial health and set yourself up for success in the coming year. You can create a solid foundation to achieve your goals by focusing on key areas. Here are five important financial tasks to consider before the new year begins.

Filed Under: Holidays Tagged With: Budgeting Tips, Financial Planning, Year End Goals

Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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