Rilian Ball

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How To Get Your Free Annual Credit Report And Why You Need It

October 18, 2019 by Rilian Ball

Your credit report influences whether or not you'll qualify for a mortgage and what kind of interest you'll pay on that loan. This isn't something you can safely ignore. Smart homebuyers understand the importance of monitoring credit scores and credit reports. Here is some information about how to get your credit report. Free Credit Report Available You're entitled to free credit report, according to the Fair Credit Reporting Act. You can get one free report each year from each of the three … [Read more...]

Filed Under: Mortgage Tagged With: Credit Report, Credit Score, Mortgage

What Exactly Is Private Mortgage Insurance (PMI)?

October 16, 2019 by Rilian Ball

PMI, which is also called private mortgage insurance, is protect that the lender may ask the buyer to purchase. In the event that the buyer defaults on their home loan and the home enters foreclosure, the lender has a way to recoup their losses. While the lender may not ask everyone to purchase PMI, there are some situations where the lender may ask the buyer to purchase this insurance policy to qualify for the loan. Every lender is a little bit different; however, there are some trends … [Read more...]

Filed Under: Mortgage Tagged With: Financing Options, Insurance, Mortgage

More Home Loan Options Now Available For Borrowers With Bad Credit

October 3, 2019 by Rilian Ball

For a long time after the real estate housing crisis in 2008, buyers with a poor credit history had a difficult time finding mortgage financing. It was a problem that trapped those seeking to buy a home because so many lost their homes from the inability to pay their mortgages. Some suffered damage to their credit history that was severe. Millions filed for bankruptcy. Not only did mortgage lending requirements get stricter for home buyers, but the funds available for home loans were also … [Read more...]

Filed Under: Mortgage Tagged With: Credit Score, Financing Options, Mortgage

Expanding Opportunities For Home-Buying In ‘Opportunity Zones’

September 24, 2019 by Rilian Ball

Opportunity Zones were created by the 2017 Tax Cuts and Jobs Act to encourage investors with capital gains on other investments to invest that money in low-income and undercapitalized communities. They get a reward of deferring capital gains tax. They avoid a portion of it altogether if they keep the investment for five years or longer.  What started with a trickle of a few Opportunity Zones scattered around the country is now a deluge with over 3,000 approved Opportunity Zones approved in … [Read more...]

Filed Under: Mortgage Tagged With: Investment Opportunities, Market Trends, 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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