Rilian Ball

First Capital Group

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How Do You Actually Write The Check To Buy A House?

January 18, 2023 by Rilian Ball

After you have found the right house to meet your needs, you need to make the down payment to complete the transaction. Can you show up at the closing table with a suitcase full of cash? Of course, that would be a bit suspect, so that is not actually how it happens. What do you need to do to actually hand over the funds to buy the house?  The Down Payment Is Verified Beforehand First, understand that the down payment is usually verified before you agree to the deal. Your real estate agent … [Read more...]

Filed Under: Mortgage Tagged With: Closing Costs, Mortgage

Closing Costs And A Cash Sale: Who Pays?

November 8, 2022 by Rilian Ball

There are some people who are able to pay cash for a home. Typically, these are individuals who are selling an existing property that has gone up in value. Now, all of a sudden, they have a lot of extra money they can spend on a house. If you can pay cash for a home, you have a lot of extra negotiating power. When it is time to complete the sale, who pays? What Is Included In Closing Costs? Before deciding who pays closing expenses, it is important to take a look at what is included. Because you … [Read more...]

Filed Under: Mortgage Tagged With: Cash Sale, Closing Costs, Mortgage

The Type of Home You Want to Buy Determines Your Closing Cost and Here’s Why

August 9, 2022 by Rilian Ball

Savvy home buyers who are preparing to make a real estate purchase should do their research and understand that they need to save money for not only the down payment but the closing costs as well. The closing costs can account for as much as three to five percent of the sales price in some cases, so this can be a rather sizable amount of money. Some home buyers however, may not realize that the amount of closing costs can vary considerably based on the home that is … [Read more...]

Filed Under: Mortagage Tips Tagged With: Closing Costs, Home Purchase, New Home

The Quick and Easy Guide to Understanding the Math Behind Your Mortgage Closing Costs

June 30, 2022 by Rilian Ball

It's amazing that in a year with extremely low mortgage rates being reported around the country, closing costs are up by as much as 6% from the previous year. Part of the reason for this is that the stricter regulations on loans have increased the costs to banks, and they always find a way to pass on new costs to the consumer. Understanding Third-Party Closing Costs When closing on a mortgage the borrower will notice a long list of additional fees that they are expected to pay for. These can … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Closing Costs, Home Mortgage Tips, Mortgages

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Rilian Ball


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First Capital Group
NMLS# 202687

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Rilian Ball
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