Rilian Ball

First Capital Group

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Negotiating Repairs After a Home Inspection

April 10, 2024 by Rilian Ball

So, you’ve found your dream home, made an offer, and had the home inspection done. But wait—what happens next? For many homebuyers, negotiating repairs after a home inspection can be a daunting task. However, with the right approach and some negotiation skills, you can ensure that your new home is in tip-top shape without breaking the bank. 1. Understand the Inspection Report The first step in negotiating repairs is to thoroughly review the inspection report. Take note of any major … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Repair, Inspection, Mortgage Tips

3 Considerations When Making A Down Payment

April 9, 2024 by Rilian Ball

When considering the journey of purchasing a new home, one of the fundamental decisions you'll encounter revolves around determining the appropriate amount of money to allocate for your down payment. It's a decision-making process that involves weighing the benefits of opting for a larger down payment against the potential advantages of utilizing some of those funds to purchase "discount points," thereby reducing your interest rate. Each option carries its own set of merits and demerits, … [Read more...]

Filed Under: Mortgage Tagged With: Down Payment, Mortgage, Purchasing Home

What’s Ahead For Mortgage Rates This Week – April 8th, 2024

April 8, 2024 by Rilian Ball

With the upcoming CPI and PPI reports this week, last week still had a number of important data points to consider. First, the non-farm payroll data, helping reveal the situation of pay versus inflation data giving an overall description of the state of the economy in the future.  Among that, the manufacturing data has shown to be contracting the past year, with the first signs of relief this month. Lastly, trade data has shown that the trade deficit has grown bigger than expected with Q1 … [Read more...]

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

A Consumer’s Guide To Mortgage Escrow Accounts

April 5, 2024 by Rilian Ball

Are you in the process of purchasing a home or considering refinancing your mortgage? If so, you've likely encountered the term "escrow account" during your discussions. Mortgage escrow accounts are a crucial component of many home loans, yet they can be a bit mysterious to those unfamiliar with the ins and outs of the mortgage process. Let's embark on a journey to explore what escrow accounts are, how they work, and what you need to know as a homeowner. Understanding Mortgage Escrow Accounts … [Read more...]

Filed Under: Mortgage Tagged With: Escrow Account, Homeownership Finances, Mortgage

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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

Equal Housing Opportunity

Loan Options

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  • FHA Home Loan
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