Rilian Ball

First Capital Group

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FICO Scores and Your Mortgage: How to Bump Your FICO Score to Secure a Better Mortgage Rate

September 3, 2021 by Rilian Ball

Is your credit score holding you back from getting the best rate on your next mortgage? The good news is that there are actions that you can take to increase your credit score and improve the interest rate offered on your next home loan. Here are a few easy and effective tips to help you get your credit score to where you want it to be. Increase The Amount Of Credit Available To You The easiest way to increase your credit score is to increase your credit limit, as this reduces your utilization … [Read more...]

Filed Under: Mortgage Rates Tagged With: FICO Scores, Mortgage Affordability, Mortgage Financing

3 Reasons Why the Cost of Title Insurance is Worth the Investment

September 2, 2021 by Rilian Ball

Title insurance is one of the few types of protection policies available to homebuyers and one that is often overlooked because of its optional nature. Because title insurance is purchased simultaneously with the home, it can be very easy to forego when looked at alongside all the additional fees that are associated with purchasing property. This is typicaly not advisable, as title insurance is one of the smartest forms of protection a homeowner can buy. Here are just three reasons why every … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Insurance, Mortgages

Case-Shiller: June Home Prices Higher

September 1, 2021 by Rilian Ball

S&P Case Shiller Home Price Indices reported new record gains for home prices in June. The National Home Price Index rose by a seasonally-adjusted annual pace of 18.60 percent as compared to May’s home price increase rate of 16.80 percent. Home prices were 41 percent higher than they were during the 2006 housing boom; home price growth was driven by high demand for homes coupled with short supplies of homes for sale.   20-City Home Price Index Posts Month-to-Month Home Price Gain … [Read more...]

Filed Under: Financial Reports Tagged With: Case Shiller, COVID19, Home Price Index

A Complete Guide: What Is A Credit Freeze And Why Is This Helpful?

August 31, 2021 by Rilian Ball

Due to recent changes in federal regulations, consumers are now allowed to freeze their credit free of charge. Prior to changes in these regulations, credit bureaus would charge consumers for freezing their credit. What does this mean, and why might someone want to do this? Freezing Credit Restricts Access To Confidential Information There are certain situations where consumers may need to have access to their credit reports. For example, they may be applying for a home loan or a car loan. There … [Read more...]

Filed Under: Mortgage Tagged With: Credit Safety, Freezing Credit, Mortgage

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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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