Rilian Ball

First Capital Group

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The Pros and Cons of Mortgage Rate Locks

June 10, 2016 by Rilian Ball

If you're just jumping into the game of home purchasing, you are likely considering all of your loan options and may even have heard the term mortgage rate lock. For those who don't like to gamble, a mortgage rate lock can offer a bit of reassurance, but there are also some downsides to this type of protection. Before signing off on this, here are the details on rate locks so you can make an informed decision. What Is A Rate Lock? For many people who are buying a home in such a tumultuous … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Rate Locks, Mortgage Tips

4 Negotiation Tips for Home Sellers

June 9, 2016 by Rilian Ball

When you've already placed your home on the market, it can seem like the stress is over once you've received the offer, but the buck doesn't stop there. Instead of being caught off guard when the time comes to negotiate, consider these tips that will assist in making the sale. Rely On Your Agent Once you're at the point where you've received an offer and are unsure as to whether you should take it, it's a good idea to sit down and discuss the options with your agent. Because a real estate … [Read more...]

Filed Under: Home Seller Tips Tagged With: Home Seller Tips, Negotiation Tips

Refinancing to Pay for Renovations? Consider the VA’s Energy Efficient Mortgage Program

June 8, 2016 by Rilian Ball

Making renovations that are energy efficient is not just a great way to reduce energy output, but it's also an effective way of decreasing monthly utility costs. It serves as a one-time investment that will save money in the long run. However, renovations are costly and not everybody has the extra finances required to make energy efficient changes. This is where the VA's energy efficient mortgage (or EEM) program comes into play. The program is designed to allow veterans to apply for a new … [Read more...]

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

How Technology Is Creating an Easier Mortgage Approval Process

June 7, 2016 by Rilian Ball

From saving up for a down payment to sussing out the ideal lender, there are so many things involved in purchasing a home that can make it seem like a rather complicated undertaking. However, like a lot of things in our lives, technology has streamlined the process in recent years. If you're currently searching for a home on the market, here are some new technological advancements that may make buying a little easier for you. The Smart Phone Advantage The paperwork and requirements associated … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Approval, Mortgage Technology

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Rilian Ball


Branch Manager

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

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  • FHA Home Loan
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  • Jumbo Home Loan
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