Rilian Ball

First Capital Group

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What You Can Do Now to Prepare for Mortgage Rate Drops

November 29, 2024 by Rilian Ball

As we move into the last month of 2024, many potential homebuyers are eagerly awaiting a drop in mortgage rates. With inflation numbers looking promising, there's hope that the Federal Reserve will lower the federal funds rate, which typically drives mortgage rates down as well. If you're planning to buy a home or refinance when rates drop, now is the perfect time to start preparing. Here are five key steps to get ready for the mortgage rate decrease and ensure you’re in the best possible … [Read more...]

Filed Under: Mortgage Rates Tagged With: Credit Score, Home Buying Tips, Mortgage Preparation

Steps to Take Now to Build Your Credit for a Home Purchase Next Year

October 2, 2024 by Rilian Ball

If you're thinking about buying a new home next year, there's one important factor to consider before you start browsing listings—your credit score. A strong credit score can make a huge difference in the interest rates you will qualify for and can also determine your mortgage approval. Starting the process of improving your credit now gives you a head start, putting you in a better position to achieve your homeownership goals when the time comes. Here are five steps to help you get … [Read more...]

Filed Under: Credit Scoring Tagged With: Credit Score, Credit Tips, Mortgage Ready

Hard Inquiry vs. Soft Inquiry — What’s the Difference?

July 17, 2024 by Rilian Ball

Knowing the difference between a hard inquiry vs soft inquiry can help you maintain a good credit score. Here's what you need to know. Most people know that your credit score can drop if you miss a payment or have a new collection filed against you. But how about when you apply for new credit? Yes, a credit application will trigger a “hard inquiry” on your report, which can have an impact on your credit score. Here’s what to know about hard inquiries, and how they compare with … [Read more...]

Filed Under: Credit Scoring Tagged With: Credit Score, Credit Tips, Hard Inquiry

Unlocking Lower Mortgage Rates By Boosting Your Credit Score

May 21, 2024 by Rilian Ball

The interest rate you qualify for when securing a mortgage can make a huge difference in your financial journey. The good news is, that by understanding how credit scores impact mortgage rates and implementing strategic steps to boost your score, you can potentially unlock lower rates and save thousands of dollars over the life of your loan. Lenders use credit scores as one of the primary factors in determining the interest rate they offer you on a mortgage. Generally, the higher your credit … [Read more...]

Filed Under: Credit Scoring Tagged With: Credit Score, Mortgage, Mortgage Rates

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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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