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3 Reasons Why Your Mortgage Lender Might Ask for Your Tax Returns – And Why You Should Provide Them

March 26, 2015 by Robby Oakes

Typically, a mortgage lender will include a request for least the last two to three years of your income tax returns with this documentation. There are several reasons why a lender may need to review your tax returns and why you should provide requested documentation as soon it is requested.

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Payments, Mortgages

Considering a Reverse Mortgage Loan? Here’s What You Need to Know

March 24, 2015 by Robby Oakes

If you are like many other seniors, you may not have a huge cash reserve available in your bank account, but you may have a sizable nest egg in your home. The fact is that you can tap into that equity without selling your home or taking on a mortgage payment when you apply for a reverse mortgage.

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgages, Reverse Mortgages

Variable-rate vs. Fixed-rate Mortgages – Which is Better for Your Financial Situation?

March 18, 2015 by Robby Oakes

If you are thinking about applying for a mortgage, it is important that you consider all of the options carefully and that you understand the key differences between them. Let’s compare variable-rate and fixed-rate mortgages to see which might be the best in your situation.

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

Understanding the Key Factors That Affect Your Mortgage Interest Rate

March 17, 2015 by Robby Oakes

When you initially start shopping for a home mortgage, you may be drawn to advertisements for ultra-low interest rates. However, the unfortunate truth is that all too often, mortgage applicants are unpleasantly surprised and even disheartened to learn that they do not qualify for the advertised interest rate.

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

The Mortgage Pre-approval Letter: Why It’s Important and How to Get One

March 12, 2015 by Robby Oakes

While you may feel as though you have taken the preliminary steps necessary to prepare yourself to buy a home, it is important that you also get a mortgage pre-approval letter for your financing before you starting hunting for that perfect house or condo.

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Payments, Mortgages

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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