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How to Pay Off Your Mortgage 10 Years Early Without Extra Payments

June 4, 2025 by Robby Oakes

If you’re like most homeowners, the idea of paying off your mortgage early sounds amazing–more freedom, fewer monthly expenses, and peace of mind. But what if you could shave 10 years off your mortgage without making extra payments each month? Sounds too good to be true? It’s not! There are smart strategies that don’t require more money out of pocket, just a little planning and a fresh approach.

Filed Under: Mortgage Tagged With: Early Payoff, Home Ownership Goals, Mortgage Tips

Will Multiple Mortgage Applications Hurt Your Credit Score?

June 3, 2025 by Robby Oakes

When you are ready to buy a home, it is natural to shop around for the best mortgage rate and terms. But you may have heard that submitting multiple loan applications can damage your credit score and throw a wrench in your homebuying plans. Here is the truth behind hard inquiries, rate shopping, and how to protect your credit while securing the best deal.

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

How Much Down Payment Do You Need for a Mortgage When Buying a Home?

May 23, 2025 by Robby Oakes

If you’re considering buying a home, you’re likely wondering how much you’ll need for a down payment. The common belief is that you need to put down 20% of the home’s purchase price, but that’s not the only option and in many cases, it’s not even necessary.

Filed Under: Mortgage Tips Tagged With: Down Payment Help, Home Buying Journey, Mortgage Tips

What To Do When Your Mortgage Loan is Declined

May 22, 2025 by Robby Oakes

Getting turned down for a mortgage can be discouraging, but it doesn’t mean the dream of homeownership is over. In fact, understanding why your application was declined is the first step toward making a stronger comeback. Let’s look at some of the most common reasons a mortgage might be denied and what you can do about it.

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

What Your Coffee Habit Can Teach You About Paying Off Your Mortgage Faster

May 20, 2025 by Robby Oakes

As your mortgage advisor, I am not here to tell you to give up your favorite coffee, but I am here to show you how something as simple as your daily coffee run can reveal some powerful lessons about how to pay off your mortgage faster.

Filed Under: Mortgage Tips Tagged With: Coffee And Homeownership, Financial Freedom, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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