Rilian Ball

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The Quick and Easy Guide to Understanding the Math Behind Your Mortgage Closing Costs

September 15, 2015 by Rilian Ball

It's amazing that in a year with extremely low mortgage rates being reported around the country, closing costs are up by as much as 6% from the previous year. Part of the reason for this is that the stricter regulations on loans have increased the costs to banks, and they always find a way to pass on new costs to the consumer. Understanding Third-Party Closing Costs When closing on a mortgage the borrower will notice a long list of additional fees that they are expected to pay for. These can … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Closing Costs, Home Mortgage Tips, Mortgages

What’s Ahead For Mortgage Rates This Week – September 14, 2015

September 14, 2015 by Rilian Ball

A short week after the Labor Day Holiday provided a slack schedule for economic news. Bloomberg reported that residential investment for the second quarter of 2015 represented 3.34 percent of the Gross Domestic Product. Compared to the long-term average reading of 4.56 percent, analysts said that the Q2 15 reading suggested pent-up demand in the housing market that could help propel the economy through any setbacks that could occur when the Fed raises rates. Pent-Up Housing Demand a Plus when … [Read more...]

Filed Under: Market Outlook Tagged With: Federal Open Market Committee, Freddie Mac, Jobless Claims

What is HARP 2.0 And How Do I Know If I Qualify To Refinance With It

September 11, 2015 by Rilian Ball

If you're looking for home refinancing options, you may have had difficulty in the past - especially if you owe more than your home's value on your mortgage. Getting refinancing consumes much of your home equity, which is in short supply for people who already have a mortgage. But with the government's extension of the HARP Program, you can now refinance your home with a variety of lenders - even if you owe more on your mortgage than your home is worth. This 'HARP 2.0' is a great way for … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Refinancing, Mortgages

The Pros and Cons of Paying Cash When You Buy Your Next Home

September 10, 2015 by Rilian Ball

With mortgage bubbles and real estate issues still in recent memory, one might feel that their best option is to buy their next home using cash instead of borrowing the necessary funds. In today's article we'll explore the pros and cons of paying cash for that next house or condo. The Pros Include A Feeling of Complete Ownership There's a feeling of pride and joy that comes with owning a home outright. There are several other reasons for paying cash instead of signing on the dotted line and … [Read more...]

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

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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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