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Exploring the Bright Side: How Mortgage Brokers Differ from Direct Lenders

March 27, 2024 by Rilian Ball

Today, we're shedding light on the unique roles of mortgage brokers and direct lenders, highlighting the benefits they bring to the table. Understanding the Difference First things first, let's clarify the distinction between mortgage brokers and direct lenders. While both play crucial roles in the home financing process, they operate in slightly different capacities. Mortgage Brokers: Think of mortgage brokers as your personal financial matchmakers. They act as intermediaries between you (the … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Direct Lenders, Mortgage, Mortgage Broker

Navigating Down Payment Options: Your Guide to Homeownership

March 26, 2024 by Rilian Ball

So, you've decided to take the plunge into homeownership – congratulations! One of the most critical aspects of buying a home is figuring out your down payment. It's a significant financial commitment that can shape your home-buying journey. But fear not! There are various down payment options available to suit different financial situations and goals. Let's explore them together. Traditional 20% Down Payment: The traditional route suggests putting down 20% of the home's purchase price. … [Read more...]

Filed Under: Mortgage Tagged With: Down Payment, Down Payment Assistance Programs, Mortgage

What’s Ahead For Mortgage Rates This Week – March 25th, 2024

March 25, 2024 by Rilian Ball

While it’s not a set deal, the Federal Reserve does appear to be on track for a June rate cut, and following its two-day policy meeting, the central bank’s rate-setting Federal Open Market Committee said it will keep its benchmark overnight borrowing rate in a range between 5.25%-5.5% until then.  Additionally, the government has also avoided another shut down as a series of rushed bills had approved spending for the government by another 1.2 trillion dollars. This is good news … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Consumer Guide: Mortgages for Veterans – A Guide to VA Loans

March 22, 2024 by Rilian Ball

Are you a veteran or an active-duty military member considering homeownership? VA loans offer significant benefits tailored to meet the needs of veterans and service members. Here's a concise guide to understanding the advantages and requirements of VA loans: Benefits of VA Loans: No Down Payment: One of the most significant advantages of VA loans is that they often require no down payment, making homeownership more accessible for veterans and active-duty military personnel. Lower Interest … [Read more...]

Filed Under: Mortagage Tips Tagged With: Mortgage, Mortgage Options, VA Loans

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Rilian Ball


Branch Manager

NMLS # 202687

Call: (559) 697-5322
info@firstcg.com

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  • What’s Ahead For Mortgage Rates This Week – May 12th, 2025
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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

Equal Housing Opportunity

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  • Fixed Rate Mortgages
  • FHA Home Loan
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