Rilian Ball

First Capital Group

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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

Assessing Your ‘Debt-to-Income Ratio’ and Why This Number Matters When Getting a Mortgage

August 23, 2022 by Rilian Ball

If you are looking to buy a home, you may want to consider shopping for a loan first. Having your financing squared away ahead of time can make it easier to be taken seriously by buyers and help move along the closing process. For those who are looking to get a mortgage soon, keep in mind that the Debt-to-Income ratio of the borrower plays a huge role in the approval of your mortgage application. What is a Debt-to-Income Ratio? A debt-to-income ratio is the percentage of monthly debt payments … [Read more...]

Filed Under: Mortagage Tips Tagged With: Debt To Income Ratio, Mortgage Approval, Mortgage Loan Information

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

Speeding Up the Close: Five Tips on How to Close Your Mortgage Loan Faster So You Can Start Moving In

September 15, 2020 by Rilian Ball

When a seller accepts an offer from a buyer, the process of obtaining the property has just begun. The buyer now has to conduct an inspection, get approval from an attorney and obtain a mortgage - all of which can be time consuming. Here are a few ways that you can speed up the mortgage process and close the deal sooner. Make Sure That You Have Money For Closing Costs Do you have the money needed for a down payment and to pay other closing and prepaid costs? If not, you won't be able to close … [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

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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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