Rilian Ball

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The Benefits of Paying Points on Your Mortgage

August 13, 2025 by Rilian Ball

The Benefits of Paying Points on Your MortgageWhen you take out a mortgage, you may be given the option to pay points in exchange for a lower interest rate. A mortgage point, also known as a discount point, is equal to 1% of the loan amount. For example, if you re financing $200,000, one point would cost $2,000. While paying points means you ll pay more upfront, it can offer long-term savings. Understanding the benefits of paying points on your mortgage can help you decide if it's the right move … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Loans, Mortgage Points, Mortgage Tips

Cash-Out Refinance vs. Rate-and-Term Refinance: Which One Is Right for You?

August 12, 2025 by Rilian Ball

When considering refinancing your mortgage, two main options often come to the forefront: Cash-Out Refinance and Rate-and-Term Refinance. Both allow you to change the terms of your mortgage, but they serve different purposes and have distinct advantages. Understanding the differences between these two refinancing options is crucial to making an informed decision that best aligns with your financial goals. What Is a Cash-Out Refinance?A Cash-Out Refinance allows you to replace your existing … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Loans, Mortgage Refinance, Refinancing Options

What’s Ahead For Mortgage Rates This Week – August 11th, 2025

August 11, 2025 by Rilian Ball

The major report to look out for was the Trade Balance, which has decreased more than expected, suggesting that the current administration's policies are having an impact. However, the long-term impact on the economy as a whole remain to be seen. This was followed closely by consumer credit, which came in far lower than expected, though many are predicting that consumer credit usage will grow over time. While the labor market remains constrained, the consumer market has remained stable in spite … [Read more...]

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

Why Retirees Are Taking Out Mortgages on Purpose

August 8, 2025 by Rilian Ball

For generations, the goal was simple, pay off your mortgage before retirement and enjoy your golden years debt-free. But today’s retirees are changing the conversation. More and more, homeowners in or near retirement are choosing to take out a mortgage on purpose, not out of necessity. And for many, it is a smart financial move. So why would someone take on a mortgage after age 60, 70, or even 80? The answer lies in strategy, flexibility, and long-term planning. Preserving Retirement … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgage In Retirement, Retirement Mortgage, Smart Retirement Planning

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Rilian Ball


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NMLS # 202687

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Rilian Ball
NMLS # 202687

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www.nmlsconsumeraccess.org

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