Rilian Ball

First Capital Group

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How Much Equity Can I Borrow from My House

August 2, 2023 by Rilian Ball

The amount of equity you can borrow from your house depends on several factors, including the current market value of your home, the amount you owe on your mortgage, and your credit score. In general, lenders typically allow you to borrow up to 80% of your home's equity. For example, if your home is currently valued at $400,000 and you owe $200,000 on your mortgage, you may be able to borrow up to $160,000 (80% of the $200,000 in equity you have in your home). However, it's important to note … [Read more...]

Filed Under: Mortgage Tagged With: Equity, Mortgage

The Difference Between A Home Equity Loan Versus A HELOC

August 1, 2023 by Rilian Ball

When homeowners need to tap into the equity they've built in their homes, two popular options are Home Equity Loans (HEL) and Home Equity Lines of Credit (HELOC). Both types of loans allow homeowners to access funds for various purposes, such as home improvements, debt consolidation, or unexpected expenses. However, it's essential to understand the differences between these two mortgage products to make an informed decision that aligns with your specific needs and financial goals. Here are some … [Read more...]

Filed Under: Mortgage Tagged With: HELOC, Home Equity Loan, Mortgage

What’s Ahead For Mortgage Rates This Week – July 31, 2023

July 31, 2023 by Rilian Ball

Last week’s economic reporting included readings on the Fed’s interest rate decision, S&P Case-Shiller’s Home Price Indices, sales of new homes, and pending home sales. Weekly readings on mortgage rates and jobless claims were also released. The Federal Reserve raised its target interest rate range to 5.25 to 5.50 percent; this announcement signaled that rates for home loans and unsecured credit would also rise. S&P Case-Shiller Reports Slower Home Price Growth  in … [Read more...]

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

Selling a House “As-Is”: Pros, Cons, and Considerations

July 26, 2023 by Rilian Ball

When it comes to selling a house, homeowners have different options available to them. One approach that some sellers consider is selling their house "as-is." This means selling the property in its current condition without making any repairs or renovations. Pros of Selling a House "As-Is" Convenience: One of the primary advantages of selling a house as-is is the convenience it offers. By selling the property in its current condition, you can avoid the time, effort, and cost associated with … [Read more...]

Filed Under: Selling Your Home Tagged With: As-Is, Mortgage Tips, Selling Home

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Rilian Ball


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NMLS # 202687

Call: (559) 697-5322
info@firstcg.com

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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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Loan Options

  • Fixed Rate Mortgages
  • FHA Home Loan
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  • Jumbo Home Loan
  • USDA Home Loan

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