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Mortgage Options as a Visa or Green Card Holder

May 2, 2025 by Robby Oakes

Buying a home is an exciting milestone, but if you are on a visa or have a green card, you may wonder how your immigration status impacts your mortgage options. The good news is that many lenders offer home loans to non-citizens, though the process may involve additional requirements. Understanding your options can help you navigate the path to homeownership with confidence.

Filed Under: Mortgage Tips Tagged With: Mortgage Options, Mortgage Tips, Visa Holder

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

How Child Support and Alimony Payments Affect Mortgage Qualification

April 23, 2025 by Robby Oakes

When applying for a mortgage, lenders carefully assess your income and debt to determine your ability to repay the loan. If you receive or pay child support or alimony, these payments can significantly impact your mortgage qualification. Understanding how they factor into your debt-to-income (DTI) ratio, income calculation, and overall loan approval process can help you better prepare for home financing.

Filed Under: Mortgage Tips Tagged With: Child Support, Financial Planning, Mortgage 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

The Top 3 Home Loan Programs First-Time Buyers Should Consider

April 11, 2025 by Robby Oakes

Buying your first home is an exciting milestone, but navigating the mortgage process can feel overwhelming. With so many loan options available, it is important to choose one that best suits your financial situation and long-term goals. Here are three of the most popular home loan programs that first-time buyers should consider.

Filed Under: Mortgage Tips Tagged With: First-Time Home Buyer, Home Loans, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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