Rilian Ball

First Capital Group

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The Top 5 Mortgage Myths Debunked for National Homeownership Month

June 20, 2025 by Rilian Ball

June is National Homeownership Month, a time to shine a spotlight on the opportunities and advantages of owning a home. It is also the perfect moment to clear up some of the most common myths that hold people back from pursuing a mortgage. Many potential buyers delay their homeownership dreams because of outdated beliefs or misinformation. Let’s break down the top five myths and explain what is really true in today’s mortgage world. Myth 1: You need perfect credit to qualify for a … [Read more...]

Filed Under: Homebuyer Tips Tagged With: Homeownership Truths, Mortgage Education, Mortgage Myths

What Every Homebuyer Should Know About How Are Property Taxes Calculated

May 30, 2025 by Rilian Ball

When buying a home, it’s easy to focus on the down payment and mortgage rate, but don’t overlook property taxes. They can significantly affect your monthly payment and long-term budget and understanding how they’re calculated is key to making smart homebuying decisions. We will break down the basics and highlight a few often-missed factors that could influence how much you’ll pay. The Property Tax FormulaProperty taxes are calculated based on the assessed value of your … [Read more...]

Filed Under: Home Buying Tips Tagged With: Budget Wisely, Mortgage Education, Property Taxes Explained

What Is A Mortgage Par Rate And How Does It Work

October 25, 2024 by Rilian Ball

Think of the par rate as the raw, default rate offered by a lender. It’s not the lowest rate you can get, nor is it inflated by any adjustments. Lenders determine the par rate based on a variety of factors, such as current market conditions, your credit score, the loan type, and the loan amount. Discount Points: Lowering Your Rate When you're negotiating your mortgage, you can choose to buy "discount points" to lower the interest rate below the par rate. Each discount point typically costs … [Read more...]

Filed Under: Mortgage Rates Tagged With: Mortgage Education, Mortgage Tips, Par Rate Explained

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Rilian Ball


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NMLS # 202687

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

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  • The Top 5 Mortgage Myths Debunked for National Homeownership Month
  • How to Build Credit For a Mortgage Starting This National Homeownership Month
  • Celebrating National Homeownership Month and How First-Time Buyer Programs Make It Possible
  • The Emotional Rewards of Homeownership and Why It’s Worth Celebrating in June

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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