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Mortgage Options for Non-U.S. Citizens

March 21, 2025 by Robby Oakes

Purchasing a home in the U.S. as a non-U.S. citizen is entirely possible, but the process comes with unique requirements and considerations. Whether you are a permanent resident, temporary visa holder, or foreign national, understanding the available mortgage options can help you navigate the path to homeownership successfully.

Filed Under: Mortgage Tips Tagged With: Foreign National Loan, Home Ownership, Mortgage Loans

Understanding Mortgage Payment Deferral Programs

March 20, 2025 by Robby Oakes

For homeowners facing temporary financial hardship, mortgage payment deferral programs can provide much-needed relief. These programs allow borrowers to pause or reduce their monthly mortgage payments for a specific period, helping them avoid foreclosure while stabilizing their finances.

Filed Under: Mortgage Tagged With: Home Ownership, Mortgage Assistance, Mortgage Deferral

The Difference Between Mortgage Prepayment and Payoff

September 10, 2024 by Robby Oakes

As a homeowner or prospective buyer, understanding the intricacies of mortgage management can save you time, stress, and potentially thousands of dollars. Two key concepts that often confuse borrowers are mortgage prepayment and mortgage payoff. While both strategies can reduce the overall interest paid and shorten the loan term, they function differently. Let’s break down what each term means and how they can affect your mortgage journey.

Filed Under: Mortgage Tagged With: Financial Planning, Home Ownership, Mortgage Tips

In A World of Homeowners’ Associations (HOAs)

September 6, 2024 by Robby Oakes

With the current shortage in housing inventory, more buyers are considering condominiums and townhomes as viable options. Most of these properties are part of a homeowners’ association (HOA), which plays a crucial role in maintaining the community. Understanding what an HOA entails can help you make an informed decision before purchasing your next home. Here’s what you need to know:

Filed Under: Home Mortgage Tagged With: HOA, Home Ownership, Mortgage

The Difference Between Mortgage and Rent

August 29, 2024 by Robby Oakes

When deciding between renting and buying a home, it’s essential to understand the key differences between a mortgage and rent. Each option has its own set of benefits and drawbacks, and knowing these can help you make a more informed decision about your living situation and financial future.

Filed Under: Home Mortgage Tagged With: Financial Freedom, Home Ownership, Mortgage Vs Rent

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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