Today's Rates

At the Robby Oakes Mortgage Team, we believe in full transparency. Our rates today along with a tool to customize the rate are below. We would encourage you to reach out for a customized quote to see the specifics for your unique situation!

Rates as of 9/21/2023 at 12:15 p.m.

Rates are subject to change at any time. Rates are for purchase mortgages and assume a 25% down payment, roughly a 1% discount point, 780 credit score, a North Carolina single-family property, primary residence, and 30-day lock. Actual rate will vary depending on your particular situation.

Expected Lender Costs with CIMG:

  • Lender Fee $674
  • Appraisal Fee $610
  • Flood Certification $16
  • Credit Report $70
  • Points, if selected

Estimated Third-Party Fees:

  • Attorney Fee $750 - $1,050
  • Title Insurance $2 per thousand (roughly)
  • Recording Fee $110
  • Prorated property taxes
  • First Year’s Home Owner’s Insurance Premium
  • If you are escrowing, 2 months of insurance and 3 months of taxes
  • Per Diem Interest

We will provide you with an estimate of costs. These are itemized her to provide transparency to potential customers for a general transaction. Costs can depend on your product selection and purchase price. 

 

$

20%

1%

5.875%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421