Rilian Ball

First Capital Group

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Should You Use Home Equity to Pay for College?

January 31, 2025 by Rilian Ball

Higher education can be one of the most significant financial investments you'll make, second only to purchasing a home. While federal loans are a common method for covering college costs, using your home’s equity is another option to consider. Before making a decision, it’s important to understand the pros and cons of tapping into your home equity to pay for college. The Financial Cost of College Just as most buyers need a mortgage to finance a home, many families rely on loans to … [Read more...]

Filed Under: Mortgage Tagged With: College Costs, Education Funding, Home Equity

Consolidate Credit Card Debt with a Cash-Out Refinance

October 8, 2024 by Rilian Ball

If you’re feeling overwhelmed by credit card debt, a cash-out refinance may be an effective way to manage it. This type of mortgage allows you to utilize your home’s equity to pay off high-interest credit cards, consolidating them into a single, lower-interest mortgage payment. How a Cash-Out Refinance Works A cash-out refinance lets you replace your current mortgage with a new one for more than what you owe. The difference is then given to you as cash, which you can use to pay off … [Read more...]

Filed Under: Credit Scoring Tagged With: Cash Out Refinance, Debt Consolidation, Home Equity

How Much Equity Can You Borrow Today?

October 1, 2024 by Rilian Ball

Your home equity represents one of your most valuable assets. When it comes to borrowing against that equity, many homeowners question how much can they borrow. Understanding the amount of equity you can tap into today is essential, especially if you're considering a home equity loan or line of credit (HELOC) for major expenses like home improvements, debt consolidation, or other financial needs. What is Home Equity? Home equity is the difference between your home's current market value and the … [Read more...]

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

How to Unlock Your Home’s Equity with a Cash-Out Refinance

July 31, 2024 by Rilian Ball

As a homeowner, you might be sitting on a valuable asset without even realizing it—your home equity. Tapping into this equity through a cash-out refinance can open up financial opportunities you hadn't considered. Here’s how you can unlock your home’s equity with a cash-out refinance and what you need to know before diving in. Understanding Cash-Out Refinance First and foremost, a cash-out refinance involves replacing your existing mortgage with a new one, but with a larger … [Read more...]

Filed Under: Mortgage Rates Tagged With: Cash Out Refinance, Financial Freedom, Home Equity

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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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