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Comparing Temporary and Permanent Mortgage Buydowns

November 16, 2023 by Rilian Ball

When it comes to mortgages, a "buydown" generally refers to paying an extra fee upfront to reduce the interest rate over a specific period. There are typically two types: temporary buydowns and permanent buydowns. Permanent Buydown: With a permanent buydown, the borrower pays extra fees at the beginning of the loan to permanently reduce the interest rate over the entire life of the loan. This differs from a temporary buydown because the reduced rate remains constant for the entire loan term, … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgage, Mortgage Buydowns, Mortgage Options

Speed Your Mortgage Approval up by Following This Checklist

November 14, 2023 by Rilian Ball

Have you finally found your dream home after months of searching, and then you are told that the seller has received other offers? No buyer wants to find themselves in a bidding war against another buyer as it is a stressful situation. Being unprepared and not having your finances in order will make it even more stressful. Here are a few quick ways if you're looking to speed up your mortgage approval process, here's a checklist to help you … [Read more...]

Filed Under: Mortgage Application Tagged With: Credit Score, Mortgage, Mortgage Approval

Which Big Tax Breaks Are Available From Home Credits

November 13, 2023 by Rilian Ball

There are several big tax breaks available from home credits that can help homeowners save money on their taxes. Here are some notable examples: Mortgage Interest Deduction: This is one of the largest tax breaks for homeowners. You can deduct the interest paid on your mortgage loan, up to a certain limit, as an itemized deduction on your federal income tax return. The Tax Cuts and Jobs Act of 2017 reduced the mortgage interest deduction limit for new mortgages, but it still remains a significant … [Read more...]

Filed Under: Taxes Tagged With: Home Ownership Tips, Property Tax Deductions, Tav Credits

What’s Ahead For Mortgage Rates This Week – November 13, 2023

November 12, 2023 by Rilian Ball

The week following the FOMC rate decision meetings are typically very light, with the two most influential releases being the University of Michigan Consumer Sentiment and the weekly Job Claims reports. The more positive news is mortgage lending rates have been on the decline in the last two weeks. Consumer Credit Reports Consumer sentiment fell in November for the fourth month in a row due to tensions with the Middle East and there is lingering hawkishness from the Federal Reserve, which could … [Read more...]

Filed Under: Financial Reports Tagged With: Consumer Credit Reports, Financial Report, Jobless Claims

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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

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