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How to Use a Cash-Out Refinance Wisely

September 25, 2025 by Robby Oakes

A cash-out refinance can be a powerful tool for homeowners who want to leverage the equity in their home, but it is important to approach it strategically. This type of refinance replaces your existing mortgage with a new, larger loan, giving you the difference in cash. Whether you are planning home improvements, consolidating high-interest debt, or investing, using a cash-out refinance wisely can help you reach your financial goals without creating unnecessary risk.

Filed Under: Mortgage Tips Tagged With: Cash Out Refinance, Home Equity, Mortgage Tips

Smart Ways to Use Bonuses, Inheritances and Tax Refunds for Your Mortgage

September 24, 2025 by Robby Oakes

Unexpected financial windfalls such as work bonuses, tax refunds, or inheritances can create exciting opportunities. While it may be tempting to spend these funds quickly, using them toward your mortgage can bring lasting financial benefits. Understanding the ways windfalls can strengthen your mortgage strategy will help you make the most of these resources.

Filed Under: Mortgage Tips Tagged With: Financial Planning, Mortgage Tips, Smart Money Moves

Financing Mixed Use Properties: Live, Work, and Invest in One Place

September 23, 2025 by Robby Oakes

Mixed use properties are becoming an attractive option for buyers who want to combine residential, commercial, and investment opportunities all in one place. These properties can provide unique benefits, such as generating rental income while also serving as a primary residence. However, financing a mixed-use property requires a different approach than financing a traditional single-family home, and understanding the process is key to making the right decision.

Filed Under: Mortgage Tips Tagged With: Mixed Use Properties, Mortgage Tips, Real Estate Investing

Myths About Mortgages That Still Fool Homebuyers

September 19, 2025 by Robby Oakes

Buying a home is one of the biggest financial decisions most people will ever make, and the mortgage process can feel overwhelming. With so much information available, it is easy for myths to spread, and many homebuyers still believe ideas that are simply not true. Clearing up these misconceptions can make the path to homeownership less stressful and much more successful.

Filed Under: Mortgage Tips Tagged With: Home Buying Journey, Mortgage Myths, Mortgage Tips

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

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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