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Creative Ways to Use Mortgage Pre-Approval to Your Advantage

April 2, 2025 by Robby Oakes

When shopping for a home, securing mortgage pre-approval is one of the most important steps you can take. Not only does it show sellers that you are a serious buyer, but it also gives you a clearer picture of your budget and financing options. However, many homebuyers do not realize that mortgage pre-approval can be leveraged in multiple ways to maximize their home search and negotiation power.

Filed Under: Mortgage Tips Tagged With: Home Buying Tips, Mortgage Pre Approval, Mortgages

How Debt-to-Income Ratio Affects Your Mortgage Eligibility

March 18, 2025 by Robby Oakes

When applying for a mortgage, lenders evaluate several factors to determine your loan eligibility. One of the most critical metrics is your Debt-to-Income Ratio (DTI). Understanding how DTI impacts mortgage approval can help you better prepare for homeownership and improve your chances of securing the loan you need.

Filed Under: Home Buyer Tips Tagged With: Debt To Income Ratio, Home Buying Tips, Mortgage Approval

How the Purchase and Refinance Mortgage Process Works

February 28, 2025 by Robby Oakes

When it comes to home financing, purchasing and refinancing a mortgage share similarities but serve distinct purposes. Understanding how each process works can help you make informed decisions about homeownership and financial planning.

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

How Obtaining a Mortgage Can Impact Your Credit Score

February 13, 2025 by Robby Oakes

When considering homeownership, many potential buyers wonder: Will getting a mortgage help my credit score? The answer is yes–if managed correctly. A mortgage is a major financial commitment, but it can also be a powerful tool for building and maintaining strong credit. Here’s how a mortgage can affect your credit score and what you should keep in mind.

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

Ensure a Stress-Free Home Purchase with These Gift Fund Tips

February 6, 2025 by Robby Oakes

Imagine you are about to purchase your dream home, and a generous financial gift from family or friends is making it possible. It’s a moment to celebrate! But did you know that mishandling gift funds can lead to delays, added stress, or even jeopardize your loan approval?

Filed Under: Home Mortgage Tips Tagged With: Gift Funds, Home Buying Tips, Mortgage Advice

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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