Rilian Ball

First Capital Group

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What You Need To Know About A Closed-End Second Mortgage

January 31, 2023 by Rilian Ball

A home is probably one of the most expensive purchases you will ever make. It is important for you to understand all of the options available to you, particularly if you need a quick source of cash, and you might be thinking about taking out a second mortgage. You can use a closed-end second mortgage to cover the cost of repairs, medical debt, and even consolidate your other sources of debt. How do you know if this option is right for you? An Overview Of A Closed-End Second Mortgage If you … [Read more...]

Filed Under: Mortgage Tagged With: Loan Options, Mortgage, Second Mortgage

Getting A Mortgage When Self-Employed: What You Need To Know

January 26, 2023 by Rilian Ball

There is a common misconception that someone who is self-employed will not have the tax records or income necessary to qualify for a mortgage; however, that is not necessarily the case. In reality, if you are self-employed, there are a lot of home loan options available to you. It is true that it might require some additional paperwork and planning, but as long as you have the necessary information, you should be able to qualify for a mortgage.  What Is Necessary To Qualify For A … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage, Non-QM Mortgage, Self Employed

On Time, Every Time: How Being Late on Monthly Payments Can Affect Your Mortgage

January 25, 2023 by Rilian Ball

Are you the type of person that struggles with remembering to pay their bills on time? You're not alone. People across the country regularly submit late monthly payments, inflicting terrible damage to their credit. Let's take a quick look at how paying your loan or other monthly payments late can have a negative impact on your mortgage. Your Credit Score Is At Risk As you already know, almost all banks, credit cards, mortgage companies and other lenders rely on your credit score to help assess … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage, Real Estate Tips

What Is A Loan Contingency: An Overview

January 24, 2023 by Rilian Ball

If you are in the process of looking for a new home, you need to find the right one to meet your needs. Sometimes, you want to learn more about specific properties before you decide if it is right for you. As a result, a lot of prospective buyers will include contingencies in their home offers that may allow them to back out without losing their earnest money. What are a few examples of loan contingencies, and how can you use them to protect yourself during the process?  Examples Of Common … [Read more...]

Filed Under: Mortgage Tagged With: Loan Contingency, Mortgage

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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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