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Deciding Whether to Pay Extra Toward Principal or Save for Other Investments

September 18, 2025 by Robby Oakes

When it comes to managing your mortgage, one of the most common questions is whether to put extra money toward paying down the loan principal or to save that money for other investments. Both choices have advantages, and the right decision often depends on your goals, financial situation, and comfort with risk.

Filed Under: Mortgage Tagged With: Mortgage Education, Mortgage Tips, Wealth Building

How Borrowers Can Benefit from Inflation with the Right Mortgage

September 17, 2025 by Robby Oakes

Inflation is a topic that impacts nearly every part of the economy, from the cost of groceries to long term financial planning. For homeowners and those considering a mortgage, inflation can feel intimidating. However, with the right perspective and strategies, borrowers can use inflation to their advantage and create lasting financial benefits.

Filed Under: Mortgage Tagged With: Home Buying Journey, Inflation And Mortgages, Mortgage Tips

How Parenthood Changes Mortgage Needs and Housing Priorities

September 16, 2025 by Robby Oakes

Becoming a parent is one of life’s most exciting milestones. Along with the joy and responsibility of raising children, many families find that their housing needs and mortgage priorities change dramatically once little ones arrive. What may have worked for a single person or a couple often needs to be reevaluated when planning for the comfort, safety, and growth of a family.

Filed Under: Mortgage Tips Tagged With: Homeownership Journey, Mortgage Tips, Parenthood

Strategies to Save on Your Mortgage in a Rising Rate Environment

September 12, 2025 by Robby Oakes

When interest rates climb, homeowners and buyers alike often feel pressure on their monthly budgets. Fortunately, there are strategies that can help you save money and manage your mortgage more effectively even in a rising rate environment. By making thoughtful adjustments and using available tools, you can still work toward long term financial security.

Filed Under: Mortgage Tips Tagged With: Mortgage Savings, Mortgage Tips, Rising Rates

Understanding the Temporary Rate Reduction Mortgage

September 10, 2025 by Robby Oakes

Buying a home is exciting, but the thought of monthly mortgage payments can feel overwhelming, especially for first-time buyers. One strategy to ease the financial burden is a temporary rate reduction. This type of mortgage allows borrowers to pay a lower interest rate for the first two years of the loan before it returns to the original fixed rate.

Filed Under: Mortgage Tips Tagged With: Financial Planning, Mortgage Tips, Temporary Rate Reduction

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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