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Budgeting for a New Home?: 3 Unlikely Costs to Consider in Your Overall Budget

April 5, 2016 by Robby Oakes

If you’re planning to buy a new home in the near future, you’re probably working hard to prepare a budget and determine how much you can afford before you start viewing homes. While it’s good to have an idea of what you can pay for a new house, many buyers routinely miss several key home buying costs that can later cause a variety of problems. Before you start looking for your new home, make sure you add these three commonly forgotten costs to your budget.

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Tips, New Home Budget

Rookie Mistakes: Don’t Make These 4 First-Time Homebuyer Mistakes

March 31, 2016 by Robby Oakes

Buying your first home is exciting. Many young people view homeownership as the definitive mark of adulthood, the final milestone on a decades-long journey. And while becoming a homeowner is cause for celebration, you’ll want to ensure you keep your enthusiasm in check just a little while longer.

Keep a level head and you’ll easily avoid these common mistakes first-time buyers make.

Filed Under: Home Mortgage Tips Tagged With: First Time Home Buyers, Home Mortgage Tips, Mortgage Tips

How the Truth in Lending Act Protects You When You Take Out a Mortgage

March 24, 2016 by Robby Oakes

If you’re planning to get a mortgage, it’s critical that you know your rights under the law. The Truth in Lending Act (TILA) is a piece of federal legislation that governs how mortgage lenders can and cannot operate their businesses.

So how does the Truth in Lending Act protect you, and what are your rights under this legislation? Here’s what you need to know.

Filed Under: Home Buyer Tips Tagged With: Home Buyer Tips, Mortgage Tips, The Truth In Lending Act

5 Steps Towards a Better Credit Score You Can Take Today

March 23, 2016 by Robby Oakes

When it comes to finding the best mortgage, your credit score is a major determinant as to the kinds of rates and conditions you can get. Lenders quite understandably want to manage their risk. But for a number of potential homeowners, these practices and policies can be a barrier to home ownership.

The good news? If your credit score isn’t great, you can easily improve it and get better lending terms. Here are five steps you can take right now to give your credit a boost.

Filed Under: Home Mortgage Tips Tagged With: Credit Score, Home Mortgage Tips, Mortgage Tips

3 Tips and Tricks to Make Mortgage Pre-Qualification Easy

March 15, 2016 by Robby Oakes

If you’re planning to buy a home, you should know that the mortgage pre-qualification process is the first in a series of steps that eventually lead to home ownership. A pre-qualification is different from a pre-approval – the pre-qualification meeting is simply you and your lender hashing out how much you can afford to spend on a property. But once you’ve been pre-qualified, it makes the mortgage process easier.

So how can you make the pre-qualification quick and painless so you can get on with your house hunt? Here’s what you need to know.

Filed Under: Home Buyer Tips Tagged With: Home Buyer Tips, Mortgage Pre Qualification Tips, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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