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Is It Time to Stop Paying Rent and Start Building Equity?

January 23, 2025 by Rilian Ball

Have you ever calculated how much rent you’ve paid over the years? It’s a staggering number. According to studies, the average American spends between $133,000 and $155,000 on rent in just six to seven years. Let’s break that down and explore what it means for your financial future—and how you might be able to change that narrative. What Does This Number Represent? These figures aren’t just numbers; they’re the cost of temporary housing over time. Rent … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Build Equity, Home Buying Tips, Stop Renting

How Mortgage Rates Affect Your Home Buying Power

January 17, 2025 by Rilian Ball

Mortgage rates play a significant role in determining how much home you can afford. These rates influence the cost of borrowing money for your mortgage, which directly impacts your monthly payment and, ultimately, your home buying power. The Impact of Mortgage Rates on Affordability When mortgage rates are low, the cost of borrowing decreases. This means you can afford a larger loan or purchase a more expensive home without substantially increasing your monthly payment. For example, a lower rate … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Dream Home Goals, Home Buying Power, Mortgage Advice

The Role of the Appraisal Contingency in Real Estate Contracts

December 5, 2024 by Rilian Ball

When you're buying a home, one important component of the real estate contract is the appraisal contingency. This clause protects the buyer in case the property’s appraisal comes in lower than the agreed-upon sale price. While it’s a common part of many real estate transactions, it’s often not fully understood. Here's why it’s so important and how it can impact your purchase. What is an Appraisal Contingency? An appraisal contingency is a condition in the purchase … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Appraisal Contingency, Home Buying , Real Estate Tips

Steps to Prepare for Future Home Financing and Year-End Financial Checklist

December 3, 2024 by Rilian Ball

As the year draws to a close, it’s the perfect time to take a step back and review your financial health, especially if you plan to purchase a home next year. Whether you’re a first-time buyer or looking to upgrade, proper preparation can make all the difference when securing a mortgage with favorable terms. Here's a comprehensive checklist to ensure you’re financially ready for home financing in the year ahead. 1. Review Your Credit Score Your credit score is one of the most … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Financial Planning, Home Financing, Mortgage Tips

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Rilian Ball


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NMLS # 202687

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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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