Rilian Ball

First Capital Group

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Why Your Mortgage Rate Isn’t the Same as the One Advertised Online

April 10, 2025 by Rilian Ball

Shopping for a mortgage can be exciting, but it can also be confusing when you see a low advertised rate online, only to be quoted a different rate when you apply. While this can be frustrating, there are several reasons why your actual mortgage rate may differ from what you initially expected. The good news is that understanding these factors can help you make informed decisions and secure the best possible rate for your financial situation. Personal Financial Profile Matters Advertised … [Read more...]

Filed Under: Mortgage Tips Tagged With: Finacial Success, Interest Rates, Mortgage Tips

APR vs. Interest Rates

March 14, 2025 by Rilian Ball

If you're gearing up to dive into the world of real estate, there are a few key terms you'll want to wrap your head around before taking the plunge. Today, we're demystifying APR and interest rate, two crucial concepts that can impact your home-buying journey. Don't worry, I'll break it down in simple terms so you can confidently navigate the process like a pro. Interest Rate: Let's start with the basics. The interest rate is the percentage charged by a lender for borrowing money to buy your … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: APR, Home Mortgage, Interest Rates

The Impact of Interest Rate Changes on Your Mortgage Payment Over Time

September 19, 2024 by Rilian Ball

When it comes to mortgages, interest rates play a crucial role in determining your monthly payments and the total cost of your loan. While fixed-rate mortgages offer stable payments, adjustable-rate mortgages (ARMs) can fluctuate with market conditions, leading to significant variations in your financial obligations over time. Understanding how interest rate changes impact your mortgage can help you better prepare for the future. Fixed-Rate vs. Adjustable-Rate Mortgages Fixed-rate mortgages … [Read more...]

Filed Under: Mortgage Tagged With: Adjustable Rate Mortgage, Interest Rates, Mortgage Rates

How Do Mortgage Points Cut Your Interest Costs?

May 14, 2024 by Rilian Ball

Those who are involved in the real estate industry likely know that mortgage rates are at an all-time low. At the same time, nobody wants to pay more for a house than they have to. Some of the most important factors that dictate how much someone is going to pay for a house include points and interest rates. While interest rates are incredibly low, there is a way to make them lower. This comes in the form of points. This is additional money that is paid upfront to get a better deal over the life … [Read more...]

Filed Under: Mortgage Tagged With: Interest Rates, Mortgage, Mortgage Points

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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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