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How Do Mortgage Points Cut Your Interest Costs?

May 14, 2024 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: Interest Rates, Mortgage, Mortgage Points

Understanding the Vital Role of Homeowners Insurance in Mortgage Agreements

May 10, 2024 by Robby Oakes

Owning a home is a dream for many, representing a significant milestone and a considerable financial investment. However, along with the excitement of homeownership comes a set of responsibilities and financial commitments. One of the most crucial aspects of safeguarding your investment is securing homeowners insurance.

Filed Under: Mortgage Tips Tagged With: Homeowner's Insurance, Mortgage, Protection

The 5 C’s of Mortgage Underwriting

May 9, 2024 by Robby Oakes

Buying a home is one of the most significant financial decisions most of us will ever make. It’s a journey filled with excitement, anticipation, and sometimes, a touch of anxiety. Among the many steps involved in this process, understanding mortgage underwriting is crucial. To demystify this complex process, let’s delve into the 5 C’s of mortgage underwriting.

Filed Under: Mortgage Application Tagged With: Application Approval, Mortgage, Underwriting

APR vs. Interest Rates

May 8, 2024 by Robby Oakes

If you’re gearing up to dive into the world of real estate, there are a few key terms you’ll want to wrap your head around before taking the plunge. Today, we’re demystifying APR and interest rate, two crucial concepts that can impact your home-buying journey. Don’t worry, I’ll break it down in simple terms so you can confidently navigate the process like a pro.

Filed Under: Home Mortgages Tagged With: APR, Interest Rates, Mortgage

Deciding Between 30-Year vs. 20-Year Mortgages: Which Is the Right Fit for You?

May 7, 2024 by Robby Oakes

Are you in the market for a new home? One of the most crucial decisions you’ll face is choosing the right mortgage term. With options like 30-year and 20-year mortgages available, it’s essential to weigh the pros and cons to make an informed decision that suits your financial goals.

Filed Under: Mortgage Rates Tagged With: 20 Year Mortgage, 30 Year Mortgage, Mortgage

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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