Rilian Ball

First Capital Group

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Turned Down for a Mortgage? What to Do if You are Declined

October 27, 2023 by Rilian Ball 270 Comments

If you have been declined for a mortgage, you may think that buying that new home is out of reach. However, there are ways to turn a rejection into an approval and to find a more accessible loan. Here are just a few steps you can take to learn about your loan options and get the mortgage that works for you. Find Out Why The Mortgage Application Was Denied The first step to getting a second opinion is to find out why your mortgage application was denied. Banks commonly deny mortgages for … [Read more...]

Filed Under: Home Mortgage Tagged With: Mortgage Acceptance, Mortgage Financing, Mortgage Tips

Setting Your Budget: How to Analyze Your Finances to Determine How Much Mortgage You Can Afford

October 6, 2023 by Rilian Ball

Whether you're buying a home for the first time or you've decided it's about time that you upgraded to a larger, more expansive house, if you're making a real estate purchase you'll need to be aware of how much you can reasonably afford to borrow in a mortgage. In today's post we'll take a look at a few ways that you can analyze your financial situation to help decide how much mortgage you can truly afford. Prepare An Honest Monthly Budget The first step in understanding how much of a monthly … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Mortgage Affordability, Mortgage Financing, Mortgage Loan Information

FICO Scores and Your Mortgage: How to Bump Your FICO Score to Secure a Better Mortgage Rate

September 3, 2021 by Rilian Ball

Is your credit score holding you back from getting the best rate on your next mortgage? The good news is that there are actions that you can take to increase your credit score and improve the interest rate offered on your next home loan. Here are a few easy and effective tips to help you get your credit score to where you want it to be. Increase The Amount Of Credit Available To You The easiest way to increase your credit score is to increase your credit limit, as this reduces your utilization … [Read more...]

Filed Under: Mortgage Rates Tagged With: FICO Scores, Mortgage Affordability, Mortgage Financing

Buying a Home? 4 Steps You Can Take to Ensure You Start out with a Low Monthly Mortgage Payment

October 21, 2020 by Rilian Ball

Are you thinking about buying a new house or condo? If so, you've likely given some thought to your mortgage and as to how you can pay as little as possible in order to own your new home. Below we'll share four easy steps that you can take to ensure you start out with an affordable monthly mortgage payment. Make A Large Down Payment On Your Home The easiest way to reduce your monthly payment is to invest as much as possible in your down payment. The less you have to borrow, the less you'll be … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Mortgage Financing, Mortgage Loan Information, Mortgages

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Rilian Ball


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NMLS # 202687

Call: (559) 697-5322
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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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