Rilian Ball

First Capital Group

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Condo Financing vs. Single-Family Home Mortgages

December 17, 2024 by Rilian Ball

Purchasing a condo can be an exciting step, offering a more affordable option or an appealing lifestyle in certain areas. However, financing a condo differs significantly from securing a mortgage for a single-family home. These differences arise from the shared nature of condo ownership, affecting the underwriting process, appraisal requirements, insurance needs, and sometimes even the interest rate. Understanding the nuances of condo financing will help you make more informed decisions when it … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Condo Financing, Home Loan Tips, Mortgage Advice

Top 5 Mortgage Types for Homebuyers

November 20, 2024 by Rilian Ball

When you're preparing to buy a home, choosing the right mortgage is one of the most important decisions you’ll make. With so many options available, it can be challenging to know which type best suits your needs. Each mortgage type comes with unique advantages and understanding them can help you achieve your homeownership goals in a financially sustainable way. Below, we outlined the five of the most common mortgage types and how they differ. 1. Conventional Fixed-Rate MortgageOne of the … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: First Time Buyer, Home Buying Tips, Mortgage Advice

Effective But Creative Ways to Save Money for a Down Payment

October 30, 2024 by Rilian Ball

Saving for a down payment can feel overwhelming, but with some creative strategies, you can make it happen faster than you think. Whether you’re a first-time homebuyer or looking to upgrade, these tips can help you reach your goal and set you on the path to homeownership. 1. Automate Your Savings One of the simplest and most effective ways to save is by automating your savings. Set up an automatic transfer from your checking account to a separate savings account specifically designated for … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Tips, Mortgage Advice, Mortgage Goals

Does Your Home Loan Have a Prepayment Penalty?

October 9, 2024 by Rilian Ball

Buying a home is a huge milestone, and the excitement of closing can lead many buyers to quickly accept any mortgage offer without fully understanding its terms. One important detail to watch for is whether your mortgage includes a prepayment penalty. This fee can be an unwelcome surprise, so it’s crucial to know what you’re signing up for before finalizing your loan. What is a Prepayment Penalty?A prepayment penalty is a fee that some lenders charge if a borrower pays off their … [Read more...]

Filed Under: Mortagage Tips Tagged With: Home Loan Tips, Mortgage Advice, Prepayment Penalty

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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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