Rilian Ball

First Capital Group

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Consider an Adjustable-Rate Mortgage If You Plan to Sell Within 5 Years

March 6, 2024 by Rilian Ball

Which is better -- a fixed-rate mortgage or an adjustable-rate mortgage (ARM)? It's a common question among home buyers and refinancing households. The answer? It depends. Fixed-rate mortgages offer the certainty of a known, unchanging principal and interest payment for the life of the loan. This stability can aid in budget-setting and financial planning, providing homeowners with a sense of security and peace of mind. On the other hand, adjustable-rate mortgages do not provide the same level of … [Read more...]

Filed Under: Mortgage Tips Tagged With: Adjustable Rate Mortgage, Buying and selling, Mortgage

Maximizing Your Profits: A Guide to Utilizing Construction Loans for Fix-and-Flip Projects

March 5, 2024 by Rilian Ball

Fix-and-flip projects can be lucrative endeavors for real estate investors, but they often require a significant upfront investment. One key financial tool that savvy investors use to fund these projects is a construction loan. We will examine how you can leverage construction loans to maximize your profits in the fix-and-flip game. Understanding Construction Loans:A construction loan is a short-term financing option designed specifically for real estate development projects. Unlike traditional … [Read more...]

Filed Under: Mortgage Tips Tagged With: Constrcution Loans, Mortgage Options, Renovation

What’s Ahead For Mortgage Rates This Week – March 4th, 2024

March 4, 2024 by Rilian Ball

A number of important consumer related data reports were released last week, giving us a clearer picture on inflation impacts and the state of the economy on a broader scale. First up, looking at the First Revision of GDP numbers, we are seeing they had fallen slightly below expectations, but still showing the economy has not deflated at all as of the result of the prior years’ repeated rate hikes. With inflation trending down, this makes for a convincing argument that rate cuts are due … [Read more...]

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

Understanding Debt-to-Income Ratio: A Key Factor in Mortgage Approval

March 1, 2024 by Rilian Ball

When it comes to securing a mortgage for your dream home, there's a crucial number that can make or break your application: your debt-to-income ratio (DTI). Understanding and managing your DTI is essential for navigating the mortgage approval process smoothly. Let's delve into what DTI is, why it matters, and how you can calculate it. What is Debt-to-Income Ratio (DTI)? Your debt-to-income ratio is a financial metric that compares your monthly debt payments to your gross monthly income. Lenders … [Read more...]

Filed Under: Credit Scoring Tagged With: Credit Score, Debt to Income, 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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