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A 20 Percent Down Payment: Is This Really Necessary?

October 20, 2021 by Rilian Ball

Purchasing a home is a major decision, and it could be the most expensive financial transaction somebody ever makes. Therefore, it is important to get this right. One of the biggest hurdles for a new homeowner is coming up with enough money for the down payment. A lot of people believe they require 20 percent down to purchase a home. Saving this amount of money can be overwhelming, and some people are wondering, is this really necessary? There are several key points to keep in mind.  … [Read more...]

Filed Under: Mortgage Tagged With: Down Payment, Home Loan, Mortgage

What is an FHA Streamline Refinance?

October 19, 2021 by Rilian Ball

FHA borrowers have an exceptional program available to them called the FHA streamline refinance. It’s a simple way to get a lower mortgage payment and/or lower rate, but it’s not for everyone. Read this guide to learn all about FHA streamline refinance and how it works. What is an FHA Streamline Refinance? The FHA streamline refinance allows FHA borrowers to skip most underwriting tasks including income and credit verification. It’s a simplified way to get a lower rate or … [Read more...]

Filed Under: Mortgage Tagged With: FHA, Mortgage, Mortgage Insurance

What’s Ahead For Mortgage Rates This Week – October 18, 2021

October 18, 2021 by Rilian Ball

Last week’s economic reporting included readings on inflation, core inflation, and minutes of the Fed’s Federal Open Market Committee meeting held on September 22 and 23. Weekly readings on mortgage rates and jobless claims were also published. September’s Consumer Price Index rose by 0.10 percent to 0.40 percent. The Core Consumer Price Index for September, which excludes volatile food and fuel sectors, rose by 0.10 percent to 0.20 percent and fell short of the expected … [Read more...]

Filed Under: Financial Reports Tagged With: Case Shiller, Financial Report, Housing Market

Keep Your Home Free From Clutter With These Helpful Unpacking Tips

October 15, 2021 by Rilian Ball

The thrill of purchasing a new home is unparalleled; however, once you close on the sale, the dreaded unpacking process begins. You probably did not realize just how much stuff you had until you had to pack it all up. Worse yet, you need to unpack it when you get to your new home. If you don’t unpack intelligently, your new home could end up disorganized and full of clutter. With this in mind, how can you unpack without leading to a tremendous amount of clutter in your home? Get Rid Of … [Read more...]

Filed Under: Homeowner Tips Tagged With: Donate, Homeowner Tips, Unpacking

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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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www.nmlsconsumeraccess.org

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