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The Airbnb Factor and How Renting Out a Room Can Help You Qualify for a Mortgage

April 9, 2025 by Robby Oakes

With rising home prices and strict lending requirements, many aspiring homeowners are looking for creative ways to strengthen their mortgage applications. One potential game-changer? Renting out a room on Airbnb or another short-term rental platform. This additional income stream could help you qualify for a mortgage and make homeownership more affordable.

Filed Under: Mortgage Tips Tagged With: Airbnb Income, Home Buying, Mortgage Tips

How Your Netflix Subscription Might Affect Your Mortgage Approval

April 8, 2025 by Robby Oakes

When applying for a mortgage, you expect lenders to scrutinize your income, credit score, and debt-to-income ratio. But did you know that your Netflix subscription–or any other recurring expense–could play a role in your approval?

Filed Under: Mortgage Tips Tagged With: Financial Health, Home Loan Approval, Mortgage Tips

The Importance of Communication Between Mortgage Originators and Clients

April 3, 2025 by Robby Oakes

Effective communication between mortgage originators and clients is essential in ensuring a smooth, stress-free home financing process. Purchasing a home is one of the biggest financial decisions a person can make, and navigating the mortgage process can be overwhelming. Strong communication helps clients understand their options, stay informed, and ultimately secure the best loan for their needs.

Filed Under: Mortgage Tips Tagged With: Client Trust, Communication, Mortgage Tips

Challenges and Solutions for Mortgages in Remote Areas

April 1, 2025 by Robby Oakes

Buying a home in a remote area can be a dream come true–peaceful surroundings, open spaces, and a slower pace of life. However, securing a mortgage for these properties comes with unique challenges. As a mortgage originator, I’m here to break down the hurdles and offer solutions so you can make your rural homeownership dreams a reality.

Filed Under: Mortgage Tagged With: Mortgage Loans, Mortgage Tips, Remote Areas

Can I Get a Mortgage Without a Credit Score By Using Alternative Credit History?

March 28, 2025 by Robby Oakes

When securing a mortgage, borrowers have the option to reduce their interest rate through a mortgage buydown. This strategy can help lower monthly payments, either temporarily or permanently, depending on the type of buydown chosen.

Filed Under: Mortgage Tagged With: Dream Home, Home Owner, Mortgage Approval, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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