Rilian Ball

First Capital Group

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Did You Know: Here’s Why Buying a New Home Grows Your Wealth Faster Than Renting

December 31, 2015 by Rilian Ball

There can be many downsides to both renting and buying, depending on what side of the coin you are on, but if you're leaning towards purchasing a home it can have added benefits for your bank account that renting does not. While renting can certainly alleviate many of the costs that go along with property ownership, here's why purchasing a home can have positive monetary affects in the long run. The Good Impacts of Inflation While inflation is often seen as a dirty word, a real estate purchase … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Buying A Home, Home Buyer Tips, Real Estate Investing

Understanding Mortgage Pre-Approvals and How to Avoid Being Declined for One

December 29, 2015 by Rilian Ball

The mortgage process is a long and complicated one, with a number of similar-sounding terms that can easily confuse first-time homebuyers. A pre-approval is not the same thing as a pre-qualification, and it's important to understand everything that goes into a pre-approval. Being declined during the pre-approval process means you'll have a hard time getting the funds you need to buy your home, so it's important that you know what the process is going to look like before going into it. How does a … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Preapprovals and Credit, Mortgages

3 Things That Will Absolutely Kill Your Chances for a Mortgage Approval

December 22, 2015 by Rilian Ball

If you're about to seek approval for a mortgage, you'll want to ensure you have a solid credit score and clean financial records to boost your likelihood of being approved. There are certain characteristics that lenders want to see in a mortgage applicant before they agree to give a loan, and you want to prove that you're a responsible borrower. But certain behaviors can easily tank your application and crush your home ownership dreams. Before you seek approval, make sure your finances are in … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Preapprovals and Credit, Mortgages

Video: What Steps Need To Be Taken To Secure A Loan

December 18, 2015 by Rilian Ball

What Steps Need To Be Taken To Secure A Loan You’ll see some pictures in this video to help you remember later, but the first step in securing a loan is to complete a loan application. To do so, you'll need the following information. Pay stubs for the past 2-3 months. W-2 forms for the past 2 years. Information on long-term debts. Recent bank statements tax returns for the past 2 years. Proof of any other income. Address and description of the property you wish to buy. A sales contract on … [Read more...]

Filed Under: Mortagage Tips Tagged With: Mortgage Aproval, Mortgage Tips, Video

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Rilian Ball


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NMLS # 202687

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

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Recent Articles

  • Explaining Mortgage Options for Self-Employed Borrowers with Irregular Income
  • The Impact of Rental Income on Mortgage Qualification
  • The Impact of Homeowners Associations (HOAs) on Mortgage Approval
  • The Benefits of Online Mortgage Calculators for Borrowers

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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