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Mortgages for Newlyweds, Combining Finances and Buying Your First Home

September 3, 2025 by Robby Oakes

Starting your life together as a married couple is an exciting season filled with new milestones. One of the biggest decisions many newlyweds face is whether to buy a home together. While combining households and finances can feel overwhelming, taking time to understand how mortgages work and planning together can set you up for long-term success.

Filed Under: Mortgage Tips Tagged With: First Home Together, Home Buying Tips, Newlyweds and Homeownership

How Emotions Shape Your Mortgage Decisions

August 28, 2025 by Robby Oakes

When it comes to money, emotions play a big role. Many home buyers get caught up in excitement, fear of missing out, or the desire to impress others. These feelings can influence mortgage choices, leading to decisions that might not align with long-term financial goals. Recognizing emotional triggers is the first step to making smarter choices.

Filed Under: Mortgage Tips Tagged With: Build Wealth, Financial Planning, Home Buying Tips

How to Determine Your Ideal Monthly Mortgage Payment

July 24, 2025 by Robby Oakes

Buying a home is one of the most exciting financial decisions you will ever make, but understanding what you can comfortably afford each month is essential for long-term success. Your ideal monthly mortgage payment should not just fit within your budget today, but also allow for financial flexibility and security in the future.

Filed Under: Mortgage Tips Tagged With: Financial Planning, Home Buying Tips, Mortgage Budget

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

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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