Rilian Ball

First Capital Group

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Home Sales Are Spiking, Driven By Low Mortgage Rates

March 24, 2020 by Rilian Ball

According to data from the National Association of Realtors, existing-home sales increased by 3.6% in December 2019. That pace is the strongest month-over-month in almost two years, since February 2018. The sales figures were also up 10.8% from what they were in December 2018. What's behind this uptick? The biggest factor driving the surge in home sales is historically low mortgage interest rates.  Plummeting Rates During the last week of February 2020, mortgage rates fell to their lowest … [Read more...]

Filed Under: Mortgage Tagged With: Financing Options, Market Trends, Mortgage

The Long-Term Toll Of College Costs

March 12, 2020 by Rilian Ball

Taking out enormous student loans to get a college degree may be a terrible idea for some. The burden of paying off this debt can make it far more challenging to do other important things like buying a home. Here are some common problems that come from taking out large student loans: Not Worth It: The college degree may not help you land a high-paying job. Even high-paying jobs like being a dentist have extremely high educational costs as well. Aspiring dentists borrow, on average, over … [Read more...]

Filed Under: Mortgage Tagged With: Debt Management, Financing Options, Mortgage

Wealthy Seniors Can Benefit From Jumbo Products

March 11, 2020 by Rilian Ball

Individuals who own their homes with a considerable amount of equity should consider looking into proprietary jumbo reverse mortgages. These can be helpful tools that may allow seniors to either pay down an existing mortgage or fund their retirement.  These tools are particularly helpful in areas of the country that have high property values, such as California and New York. In these states, jumbo reverse mortgages may provide seniors with up to $4 million in potential loan proceeds. These … [Read more...]

Filed Under: Mortgage Tagged With: Financing Options, Market Trends, Mortgage

Should I Pay Off My Mortgage Or Invest the Money?

February 28, 2020 by Rilian Ball

To understand what to do with a windfall or extra disposable income when it comes to paying down a mortgage or investing the money, we need to discuss and understand the concept of opportunity cost. What Is Opportunity Cost? The concept of opportunity cost takes into consideration the total financial impact of the use of funds when applied in different ways, to be able to compare the effectiveness of how it is best to use them. The opportunity cost considers the risks involved, the potential … [Read more...]

Filed Under: Mortgage Tagged With: Financing Options, Mortgage, Tax Implications

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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

Equal Housing Opportunity

Loan Options

  • Fixed Rate Mortgages
  • FHA Home Loan
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  • Jumbo Home Loan
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