Rilian Ball

First Capital Group

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Running A Quick Financial Health Check Before You Apply For A Mortgage

May 24, 2023 by Rilian Ball

Getting a mortgage is a significant financial decision, and it is crucial to ensure that you are financially prepared before applying for one. Conducting a quick financial health check before applying for a mortgage can help you determine your financial standing and your ability to afford a mortgage payment. Here are some reasons why you should consider conducting a quick financial health check before applying for a mortgage: Check your credit score: Your credit score is an important factor … [Read more...]

Filed Under: Mortgage Tagged With: Credit Check, Mortgage, Mortgages

What Does It Mean To Be In A Seller’s Market: A Brief Overview

April 27, 2023 by Rilian Ball

In the realm of real estate, market conditions can differ significantly due to a variety of factors. One such state is known as a seller's market, which typically benefits those wanting to sell their property. Let’s dive into what makes a seller's market advantageous for homeowners looking to offload their house and why it's an attractive option for buyers too.  A Lack Of Inventory The lack of available homes creates supply-side pressure in a seller's market; there are fewer houses … [Read more...]

Filed Under: Mortgage Tagged With: Demand, Inventory, Mortgages

Buying A House With No Money Down

April 14, 2023 by Rilian Ball

If you dream of owning a house one day, you have probably realized that one of the biggest challenges is saving money for a down payment. You have already found your dream property, but then the lender asks you to put 20 percent down, which can be tens of thousands of dollars. Fortunately, there are alternative options available, and you may be able to purchase a home for no money down. VA Loans One option for qualifying borrowers is a VA loan. As the name suggests, this is a loan that is backed … [Read more...]

Filed Under: Mortgage Tagged With: Mortgages, USDA Loan, Va Loan

3 Things That Will Absolutely Kill Your Chances for a Mortgage Approval

March 24, 2023 by Rilian Ball

If you're about to seek approval for a mortgage, you'll want to ensure you have a solid credit score and clean financial records to boost your likelihood of being approved. There are certain characteristics that lenders want to see in a mortgage applicant before they agree to give a loan, and you want to prove that you're a responsible borrower. But certain behaviors can easily tank your application and crush your home ownership dreams. Before you seek approval, make sure your finances are in … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Preapprovals and Credit, Mortgages

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Rilian Ball


Branch Manager
First Capital Group
NMLS# 202687

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Rilian Ball
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