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How To Successfully Use Your Down Payment to Achieve Your Home Buying Goals

April 5, 2023 by Rilian Ball

When you are considering purchasing a home, understanding the lending guidelines regarding a down payment is important.  Here are a few key tips to consider: Gifting of a Down Payment There are some programs that will allow you to use a gift for your home down payment. However, before you assume this, make sure you talk to your loan officer. Generally speaking, the lender will require the person making the gift to provide a letter stating the money was a gift and does not require repayment. … [Read more...]

Filed Under: Mortgage Tagged With: Down Payment, Mortgage, Seasoning

Tired of Waiting for Summer? 3 DIY Projects That Will Keep You Busy Until the Weather Warms Up

April 4, 2023 by Rilian Ball

Do you find yourself staring out the window, longing for an early sunrise, hot days and late evenings? With spring just around the corner, it might feel like summer is a lifetime away. However, the good news is that you can be productive around the home while you wait for summer to arrive. Let's take a quick look at three easy do-it-yourself projects that will keep you busy until the summer sun is shining. Add A Splash Of Spring-y Color As long as you are willing to do the prep work, painting is … [Read more...]

Filed Under: Around The Home Tagged With: Around the Home, Homeowner Tips, Upgrades and Renovations

What’s Ahead For Mortgage Rates This Week – April 3, 2023

April 3, 2023 by Rilian Ball

Last week’s economic reporting included readings on home prices, inflation, and pending home sales. Weekly readings on mortgage rates and jobless claims were also published. S&P Case-Shiller Home Price Indices Report Slower Home Price Growth in January Home price growth cooled in January according to S&P Case-Shiller’s 20-City Home Price Index. Home prices increased by 2.50 percent year-over-year in January but rose at a slower pace than December’s reading of 4.60 … [Read more...]

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

White Lies That Could Make It Harder To Buy A Home

March 31, 2023 by Rilian Ball

Right now, the real estate market is very competitive, and you might be tempted to use a few white lies to make your offer seem more competitive. No matter how much you want to purchase a home, you need to make sure you are completely honest and open when you go through the process from start to finish. What or a few examples of common white lies that people tell that could jeopardize your application or your mortgage as a whole? Lying About Your Primary Residence If you plan on living in the … [Read more...]

Filed Under: Mortgage Tagged With: Application, Honesty, Mortgage

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Rilian Ball


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NMLS # 202687

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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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