Rilian Ball

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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

Exploring 5 Types of Refinance Loans

June 18, 2024 by Rilian Ball

Refinancing your mortgage can be a smart financial move, offering potential savings, access to cash, or improved loan terms. With various refinancing options available, it's essential to understand what each type entails to make an informed decision. Let's look into five popular types of refinance loans: Rate and Term Refinance, Cash-Out Refinance, Cash-In Refinance, Home Affordable Refinance Program (HARP), and Short Refinance. 1. Rate and Term Refinance What is it? A Rate and Term Refinance … [Read more...]

Filed Under: Mortgage Tagged With: Home Equity, Mortgage Refinance, Refinance Loans

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Rilian Ball


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NMLS # 202687

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Rilian Ball
NMLS # 202687

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