Rilian Ball

First Capital Group

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The Impact of Homeowners Associations (HOAs) on Mortgage Approval

May 7, 2025 by Rilian Ball

When purchasing a home in a community with a Homeowner’s Association (HOA), it’s important to understand how this organization can impact your mortgage approval. While HOAs provide benefits like maintaining neighborhood amenities and enforcing community standards, they also add financial obligations that lenders consider when evaluating your loan application. How HOA Fees Affect Mortgage QualificationMortgage lenders assess a borrower’s total debt-to-income ratio (DTI) to … [Read more...]

Filed Under: Mortgage Tips Tagged With: HOAs, Mortgage Approval, Mortgages

Can I Get a Mortgage Without a Credit Score By Using Alternative Credit History?

March 28, 2025 by Rilian Ball

If you've been managing your finances responsibly but don’t have a traditional credit score, you may be wondering whether homeownership is still within reach. The good news? It is! While most mortgage lenders rely on credit scores to assess your creditworthiness, alternative credit history—like rent payments, utility bills, and other recurring expenses—can help you qualify for a mortgage. What Is Alternative Credit History? Alternative credit history consists of financial … [Read more...]

Filed Under: Mortgage Tagged With: Dream Home, Home Owner, Mortgage Approval, Mortgage Tips

How Debt-to-Income Ratio Affects Your Mortgage Eligibility

March 18, 2025 by Rilian Ball

When applying for a mortgage, lenders evaluate several factors to determine your loan eligibility. One of the most critical metrics is your Debt-to-Income Ratio (DTI). Understanding how DTI impacts mortgage approval can help you better prepare for homeownership and improve your chances of securing the loan you need. What is Debt-to-Income Ratio (DTI)? DTI measures the percentage of your gross monthly income that goes toward monthly debt obligations. Lenders use this ratio to assess your ability … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Debt To Income Ratio, Home Buying Tips, Mortgage Approval

Home Mortgage Application: Understanding Proof of Income

June 20, 2024 by Rilian Ball

Buying a new home is exciting, but it comes with a fair share of paperwork, especially when applying for a mortgage. One crucial component lenders will analyze is your proof of income. Let's take a look at what proof of income involves, document examples, and where to find them. What is Proof of Income? Proof of income is documentation that verifies your earnings. Lenders require this to ensure you have a steady income stream capable of covering your mortgage payments. This documentation … [Read more...]

Filed Under: Mortgage Tagged With: Home Mortgage, Income Verification, Mortgage Approval

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Rilian Ball


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NMLS # 202687

Call: (559) 697-5322
info@firstcg.com

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Recent Articles

  • The Impact of Rental Income on Mortgage Qualification
  • The Impact of Homeowners Associations (HOAs) on Mortgage Approval
  • The Benefits of Online Mortgage Calculators for Borrowers
  • What’s Ahead For Mortgage Rates This Week – May 5th, 2025

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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