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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

What is a Flex Payment Mortgage?

August 14, 2024 by Robby Oakes

Understanding your options when shopping for a mortgage is crucial to making the best financial decisions. One option that is not well known is the Flex Payment Mortgage. But what exactly is it, and how can it benefit you?

Filed Under: Mortgage Tagged With: Flexible Payments, Mortgage Flexibility, Mortgage Tips

Getting a Mortgage After Chapter 13 Bankruptcy

August 13, 2024 by Robby Oakes

Filing for Chapter 13 bankruptcy can be a challenging experience, but it doesn’t mean the end of your dreams of homeownership. While the path to securing a mortgage after Chapter 13 might seem daunting, with careful planning and dedication, it’s entirely possible. Here’s how you can prepare yourself for a successful loan application and rebuild your dream home.

Filed Under: Bankruptcy History Tagged With: Home After Bankruptcy, Mortgage Tips, Rebuild Your Credit

Understanding Warrantable vs. Non-Warrantable When Purchasing a Condo

July 16, 2024 by Robby Oakes

When you’re shopping for a condo, there’s a bit more on your plate than just the typical homebuying concerns like credit scores, interest rates, and loan programs. A crucial aspect is understanding the role of the Homeowners’ Association (HOA) and whether the condo is warrantable or non-warrantable. This distinction can significantly impact your mortgage process and future as a condo owner.

Filed Under: Home Buyer Tips Tagged With: Condo Buying, Home Buying, Mortgage Tips

Understanding Graduated Payment Mortgages

July 2, 2024 by Robby Oakes

When it comes to buying a home, you will find many mortgage options available. One of the lesser-known but potentially advantageous choices is the Graduated Payment Mortgage (GPM).

Filed Under: Mortgage Tagged With: Graduated Payment Mortgage, Mortgage, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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