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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

Understanding the Difference Between Mortgage Brokers and Mortgage Lenders

November 15, 2024 by Rilian Ball

When you’re ready to buy a home, one of the first steps is securing a mortgage. While many people simply turn to their current bank for a loan, there are other options to consider that might provide better rates and terms for your situation.  This is where understanding the difference between a mortgage broker and a mortgage lender can help. Both play essential roles in the home loan process, but they function in very different ways. Let’s break it down so you can determine … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Home Buying, Mortgage Broker, Mortgage Lender

Tips and Insights on Home Buying with Bad Credit

September 24, 2024 by Rilian Ball

When thinking about homeownership, a perfect credit score often seems like the golden ticket. But what if your credit history isn't picture-perfect? Don't worry; buying a home with bad credit is still within reach. With careful planning and strategic moves, you can turn your dream of homeownership into a reality. Here are some valuable tips and insights to guide you through the process: 1. Know Your Credit Score Inside Out Before plunging into the homebuying journey, arm yourself with knowledge … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Bad Credit, Homebuying Tips, Mortgage

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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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