Rilian Ball

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What’s the Difference Between a Second Mortgage and a Home Equity Loan?

February 5, 2025 by Rilian Ball

If you’ve been diligently paying down your mortgage, you’ve likely built up a valuable asset: home equity. This financial resource can be a game-changer, offering opportunities to fund major expenses, consolidate debt, or tackle unexpected financial challenges. But with multiple borrowing options tied to your home equity, it’s essential to know which route aligns best with your goals. Two popular options are second mortgages and home equity loans and often leave homeowners … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: HELOC, Home Equity Loan, Second Mortgage

A Deep Dive Into Bank Statement Second Mortgages for Self-Employed Individuals

November 26, 2024 by Rilian Ball

If you're self-employed or have an income that doesn’t fit traditional molds, securing financing for a home renovation or debt consolidation can seem daunting. However, bank statement second mortgages are designed to provide a viable solution for homeowners who don’t rely on conventional pay stubs, W-2 forms, or tax returns. Let’s break down how these unique loans work and how they can benefit self-employed individuals. What is a Bank Statement Second Mortgage?A bank … [Read more...]

Filed Under: Mortgage Application Tagged With: Bank Statement Loans, Home Equity Loan, Self Employed

Unlocking Home Equity With Home Equity Loans and HELOCs

April 11, 2024 by Rilian Ball

Home equity loans and Home Equity Lines of Credit (HELOCs) are two avenues through which homeowners can tap into this valuable asset. Understanding the differences between them is crucial for making informed financial decisions. We will review the intricacies of these financial products, exploring how they work and helping you determine which might be the better fit for your needs. What is Home Equity? Before we dive into the specifics of home equity loans and HELOCs, let's first grasp the … [Read more...]

Filed Under: Mortgage Tagged With: HELOC, Home Equity Loan, Mortgage

The Difference Between A Home Equity Loan Versus A HELOC

August 1, 2023 by Rilian Ball

When homeowners need to tap into the equity they've built in their homes, two popular options are Home Equity Loans (HEL) and Home Equity Lines of Credit (HELOC). Both types of loans allow homeowners to access funds for various purposes, such as home improvements, debt consolidation, or unexpected expenses. However, it's essential to understand the differences between these two mortgage products to make an informed decision that aligns with your specific needs and financial goals. Here are some … [Read more...]

Filed Under: Mortgage Tagged With: HELOC, Home Equity Loan, Mortgage

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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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