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Pre-approval vs. Pre-qualification

December 12, 2023 by Robby Oakes

Pre-qualification and pre-approval are two terms commonly used in the context of obtaining a mortgage or other types of loans. While they may sound similar, they have different meanings.

Filed Under: Home Mortgages Tagged With: Mortgage, Pre-Approval, Pre-qualification

How Do Mortgage Points Cut Your Interest Costs?

December 7, 2023 by Robby Oakes

Those who are involved in the real estate industry likely know that mortgage rates are at an all-time low. At the same time, nobody wants to pay more for a house than they have to. Some of the most important factors that dictate how much someone is going to pay for a house include points and interest rates.

Filed Under: Mortgage Tagged With: Financing Options, Interest Rates, Mortgage

You Ask, We Answer: What Are the Pros and Cons of Private Mortgage Insurance?

December 6, 2023 by Robby Oakes

It’s easy to get Private Mortgage Insurance (PMI) confused with homeowners’ insurance, but PMI is an entirely different thing that may or may not be necessary when it comes to your home purchase. If you’re going to be investing in a home in the near future and are wondering what PMI may mean for you, here are some things to consider regarding this type of insurance.

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage, Mortgage Insurance

Negotiating Homebuying Costs: Securing Your Dream Home at the Right Price

November 30, 2023 by Robby Oakes

Buying a home is one of life’s significant milestones, but it often comes with a significant price tag. Fortunately, the sticker price on a house isn’t always set in stone. When buying a home, negotiating certain costs can save you a significant amount of money.

Filed Under: Home Buyer Tips Tagged With: Home Buying Tip, Mortgage, Negotiate

Exploring the Diversity of Property Types: Finding Your Ideal Home

November 22, 2023 by Robby Oakes

When exploring different property types, consider what matters most to you. Assess your lifestyle, future plans, financial capabilities, and personal preferences. What kind of living environment aligns best with your goals and values? Do you prioritize independence or enjoy communal living? Are you looking for an investment opportunity or a space to settle down in for the long term?

Filed Under: Home Mortgages Tagged With: Mortgage, Property Types

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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