Rilian Ball

First Capital Group

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The Pros and Cons of Paying Your Mortgage Bi-weekly Vs. Monthly

June 4, 2021 by Rilian Ball

When applying for a new mortgage or after closing, many may have the option to choose between a single monthly mortgage payment or smaller bi-weekly payments. There are benefits and drawbacks associated with both options, and some personal financial considerations may need to be reviewed in order to make a decision that is best for the individual. With a closer look at the pros and cons of both options, homeowners or home mortgage applicants can make a more informed decision. Easy Budget … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Payments, Mortgages

The Pros and Cons of Using Spare Funds to Pay Your Mortgage Down Faster

May 21, 2021 by Rilian Ball

A home mortgage payment can be a large or even the largest expense in a person's budget, and not having this payment any longer can be a life changing experience. Because of this, you may be dreaming about the day when you no longer have to make this payment. Some people may even actively make extra payments to their mortgage in order to pay the outstanding balance off more quickly. These may be funds from an IRS tax refund, cash received from the holidays or a birthday or some other windfall. … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Payments, Mortgages

3 Easy Ways to Put Aside a Bit of Extra Cash So You Can Pay off Your Mortgage Faster

April 14, 2021 by Rilian Ball

If your personal budget is similar to many other people's budgets, your home mortgage payment is by far the largest expense that you pay for each month. In fact, this payment may easily account for 20 or 25 percent or more of your take-home income. Understandably, you may be focused on trying to pay this expense off early. By focusing on this payment, you can build equity and may be able to achieve financial security more quickly. You simply have to find a way to put aside a bit of extra cash … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Payments, Mortgages

The Mortgage Pre-approval Letter: Why It’s Important and How to Get One

March 30, 2021 by Rilian Ball

If you are thinking about buying a new home in the near future, you may already be searching online to get a feel for the different types of homes available in the local area. You may have reviewed your budget, and you may have a fair idea about a sales price that is comfortable for you to afford. While you may feel as though you have taken the preliminary steps necessary to prepare yourself to buy a home, it is important that you also get a mortgage pre-approval letter for your financing before … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Payments, Mortgages

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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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