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Should You Get a Mortgage If You Plan to Move Soon?

July 31, 2025 by Robby Oakes

Deciding to buy a home when you know you might move within a few years can be a challenging choice. Many people wonder if it makes financial sense to take on a mortgage if they will not live in the property long term. The answer depends on several factors, including your personal goals, market conditions, and your financial situation.

Filed Under: Mortgage Tagged With: Home Buying, Mortgage Tips, Moving Soon

Will Multiple Mortgage Applications Hurt Your Credit Score?

June 3, 2025 by Robby Oakes

When you are ready to buy a home, it is natural to shop around for the best mortgage rate and terms. But you may have heard that submitting multiple loan applications can damage your credit score and throw a wrench in your homebuying plans. Here is the truth behind hard inquiries, rate shopping, and how to protect your credit while securing the best deal.

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

Can I Finance Home Renovations Into My Mortgage at Closing?

April 25, 2025 by Robby Oakes

Purchasing a home that needs renovations or upgrading your current home can be costly, but financing home improvements through your mortgage can be an effective solution. Instead of taking out a separate loan for renovations, some mortgage programs allow you to roll the cost of home improvements into your home loan at closing. This strategy can help you spread renovation costs over time while securing a potentially lower interest rate compared to personal loans or credit cards.

Filed Under: Home Buyer Tips Tagged With: Home Buying, Home Renovation, Mortgage Tips

What Every Buyer Should Know About Home Appraisals

April 18, 2025 by Robby Oakes

Buying a home is an exciting yet complex process, and one critical step often catches buyers off guard—the home appraisal. This professional evaluation determines the fair market value of a property, ensuring that both you and your lender are making a sound investment. Understanding how appraisals work can help you navigate this stage with confidence and avoid potential roadblocks.

Filed Under: Mortgage Tagged With: Home Buying, Mortgage101, Real Estate Tips

Why Did My Mortgage Lender Change?

April 17, 2025 by Robby Oakes

Buying a home is one of the most significant financial steps you’ll ever take. After securing a mortgage, you expect to send your payments to the same lender for years to come. So, when you receive a notice saying your mortgage has been sold and your payments should now go to a different company, it might feel alarming.

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

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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