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Why Your ‘Debt-to-Income Ratio’ Number Matters When Obtaining a Mortgage

August 26, 2016 by Rilian Ball

If you are looking to buy a home, you may want to consider shopping for a loan first. Having your financing squared away ahead of time can make it easier to be taken seriously by buyers and help move along the closing process. For those who are looking to get a mortgage soon, keep in mind that the Debt-to-Income ratio of the borrower plays a huge role in the approval of your mortgage application. What is a Debt-to-Income Ratio? A debt-to-income ratio is the percentage of monthly debt payments … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgage Tips

The Type of Home You Want to Buy Determines Your Closing Cost and Here’s Why

August 25, 2016 by Rilian Ball

Savvy home buyers who are preparing to make a real estate purchase should do their research and understand that they need to save money for not only the down payment but the closing costs as well. The closing costs can account for as much as three to five percent of the sales price in some cases, so this can be a rather sizable amount of money. Some home buyers however, may not realize that the amount of closing costs can vary considerably based on the home that is … [Read more...]

Filed Under: Mortagage Tips Tagged With: Closing Costs, Home Purchase

Buying Your First Home? Learn These 5 Essential Home Maintenance Skills as Soon as Possible

August 24, 2016 by Rilian Ball

New homes can be scary. But when you take the time to think about it, and plan ahead, maintaining a home is easier than you think a manageable mix of experience and common sense. Here are five skills that will help maintain your new home for years to come. Fixing A Toilet It's not as daunting as it sounds. Just remember that toilets work with gravity the water wants to flow freely. Don't be afraid to open that tank up and adjust the floater and valves as needed. Occasionally run the water (flush … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Buying A Home, Home Buyer Tips, Home Maintenance

Getting to Know the Neighbors: 3 Tips for Building Good Relationships

August 23, 2016 by Rilian Ball

One of the factors involved in feeling truly comfortable in your community is the relationships that you've been able to establish with the locals in your neighborhood, but it can be hard to know how to nurture a good relationship. Whether you're moving to a new home soon or are wondering how to make some nearby friends, here are some simple tips for ingratiating the ones that live closest to you. Offer up Your Favorite Dish It might seem like a bit of a risk, but one of the best ways to get to … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Home Buyer Tips, Neighbor Relationships

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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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