Rilian Ball

First Capital Group

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Everything Homeowners Need To Know About Down Payments

February 23, 2022 by Rilian Ball

Buying a house is an exciting time, but homeowners also need to make the best financial decision to meet their needs. One of the biggest decisions potential homeowners will face is how much money to put down. A down payment is the amount of money that homeowners pay upfront when they purchase a home. Many homeowners believe they need to put down 20 percent; however, this is not always the case. What do homeowners need to know about putting a down payment on a house?  20 Percent Is Not … [Read more...]

Filed Under: Mortgage Tagged With: Down Payment, Interest Rates, Mortgage

Which Home Equity Loan Is The Best Option?

February 9, 2022 by Rilian Ball

There are a number of significant advantages that come with homeownership, and one of the biggest advantages is the ability to take out a home equity loan. As homeowners pay off the mortgage, the amount of equity in the house increases. Homeowners can borrow against the equity in their house to fund other projects. For example, homeowners could borrow against home equity to complete a home renovation, pay medical expenses, or pay down student loans. The most common home equity loans include … [Read more...]

Filed Under: Mortgage Tagged With: HELOC, Home Equity, Mortgage

Analyzing The Closing Disclosure: What Everyone Must Know

February 8, 2022 by Rilian Ball

It is exciting to hear that an offer has been accepted, and many homeowners are ready to move into their new houses as quickly as possible. At the same time, homeowners must take the time to review all documents associated with the purchase. Purchasing a house is a major financial decision, and homeowners need to understand what their obligations are. That is where the closing disclosure is critical. What type of information is included in the closing disclosure, and what do homeowners need to … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage Documents, Mortgage Explained, Mortgage Fees

How To Deal With An Appraisal Gap

February 4, 2022 by Rilian Ball

The vast majority of people will need to go through a mortgage lender when purchasing a home. One of the last steps in the purchase process is the home appraisal. The lender wants to make sure they are not lending more money than the house is worth. If the appraisal value comes in above what the buyer is paying, then the buyer is happy because they might be getting a great deal. On the other hand, if the appraisal comes in below what the buyer is paying, this can be frustrating. What is the … [Read more...]

Filed Under: Mortgage Tagged With: Appraisal, Mortgage, Valuation

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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

  • Fixed Rate Mortgages
  • FHA Home Loan
  • VA Home Loan
  • Jumbo Home Loan
  • USDA Home Loan

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