Rilian Ball

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Why Your Cash Reserves Matter After You Buy a Home

September 10, 2026 by Rilian Ball

Saving enough money for a down payment and closing costs can feel like the primary financial goal when purchasing a home. However, becoming a homeowner does not mean your need for savings disappears at closing. Keeping money available after the purchase can provide an important financial cushion as you adjust to the costs and responsibilities of homeownership. Homeownership Comes With Unexpected ExpensesEven a well-maintained home can surprise you. An appliance can stop working, a plumbing … [Read more...]

Filed Under: Mortgage Tips Tagged With: Emergency Fund, Homeownership, Mortgage Tips

What Happens If Your Income Changes Before Closing?

September 9, 2026 by Rilian Ball

Getting approved for a mortgage is an important milestone, but the financial review does not necessarily end once you receive an initial approval. Lenders may verify certain information again before closing, including your employment and income. If your income changes during this period, it could affect your mortgage approval, depending on the circumstances. Why Income Still Matters Before ClosingYour mortgage qualification is based partly on the income documented during the application process. … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buyer Tips, Mortgage Approval, Mortgage Tips

What’s Ahead For Mortgage Rates This Week – September 8th, 2026

September 8, 2026 by Rilian Ball

The Non-farm Payroll figures are a strong indicator of the job market and showed a notable increase this quarter. However, this doesn’t necessarily indicate a significant shift in the job market as a whole, as certain sectors have experienced outsized impacts compared to others. JOLTs job openings data does support the increase in openings seen over the last quarter, though it is not among the largest indicators on the broader economic scale. Non-farm PayrollsThe +162,000 jobs was … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

4 Ways to Help Your Mortgage Transaction Close On Time

September 4, 2026 by Rilian Ball

When you've finally found the home you're looking for at the right price, it's easy to think that the hard part is over; however, there's still a lot to do in order to ensure your purchase goes through without a hitch. If you're tying up the loose ends on your home purchase, here are some things you should do to avoid any unnecessary delays. Hire A Legal Professional However much research you may have done in regards to buying a home, there's still a lot of legal jargon in the closing documents … [Read more...]

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

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Rilian Ball


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NMLS # 202687

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Recent Articles

  • Why Your Cash Reserves Matter After You Buy a Home
  • What Happens If Your Income Changes Before Closing?
  • What’s Ahead For Mortgage Rates This Week – September 8th, 2026
  • 4 Ways to Help Your Mortgage Transaction Close On Time

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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