Rick Oaks NMLS 172353

10/15/2026

Fall can sometimes bring a different homebuying environment than the busy spring and summer months.

Depending on your local market, buyers may find less competition and more opportunities to negotiate. If you're wondering whether now could be a good time to make a move, talk with your Realtor and reach out to me to discuss the financing side.

10/13/2026

A smooth loan process takes a strong team working together behind the scenes.

At Highlands, our in-house underwriting team works closely with our loan officers and operations teams throughout the loan process. Having that collaboration under one roof helps keep communication moving and gives our borrowers a connected team from application through closing.

10/09/2026

10/09/2026

If buying a home next spring is on your radar, you don't have to wait until then to start preparing.

Taking a look at your credit, savings and financing options now can give you time to get everything in place before you're ready to start shopping. Reach out and let's put together a plan.

10/08/2026

As the weather starts to cool down, I always think fall is the perfect time to show your home a little love. Simple checks on things like gutters, the roof, weather stripping, and the fireplace or chimney can go a long way toward preventing bigger (and more expensive) surprises later. If you think you'll want to sell sometime down the road, keeping up on these smaller tasks help maintain the value of the home, while at the same time keeping it looking nice and fresh from year to year.

10/07/2026

There's no one-size-fits-all approach to financing a home.

Depending on your goals, budget and overall financial picture, an FHA loan may be an option worth considering. The key is understanding what's available and finding the financing that makes sense for you.

If you're thinking about buying, reach out and let's talk through your options.

10/02/2026

Lately I'm seeing more buyers rediscover the charm and practicality of starter homes, and I'm here for it. Owning a smaller, more affordable home can be a smart way to build equity, learn what you really want in a future "forever" home, and still have room in your budget for living your life. If you've been on the fence about jumping into the market, I'm here to help you explore whether a starter home could be the right first step for you.

10/02/2026

The market has shifted and rates are up. Don't let this delay you from buying a home in this buyers market! You can refinance a mortgage, but you can't renegotiate a sales price!! Take advantage of this buyers market if you are thinking of purchasing a home soon. When rates drop, you will have much more competition and will pay more for the home. Call me to discuss or with any questions!

Thank you for visiting my page! Here at Highlands, we work every day to deliver the best customer service and quality loan experience for our clients. Contact me directly using the info above, or please feel free to review and use our resources below. I look forward to working with you!

09/30/2026

Did you know gift funds may be able to help with your down payment or closing costs?

Depending on the loan program, eligible gift funds from family or other approved sources can help make buying a home more manageable. If you're wondering what may be available for your situation, reach out and let's talk.

09/30/2026

5.0 star review received on Experience.com for Rick Oaks by Ruben S Z - The communication and willingness to answer any questions that we had.

Click to see all 329 reviews of Rick Oaks, Sr. Loan Officer | NMLS # 172353|TX: 172353