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Can You Use Rental Income to Qualify for a Mortgage?

August 22, 2025 by Rilian Ball

When it comes to qualifying for a mortgage, your income plays a key role in determining how much you can borrow. For many buyers, especially those interested in investment properties or who plan to rent out part of their home, the question is whether rental income can be counted toward their mortgage qualification. The good news is that in many cases, rental income can help, but there are specific rules and documentation requirements you will need to meet. Understanding How Lenders View Rental … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgage Tips, Qualifying For a Mortgage, Rental Income

The Benefits of Paying Points on Your Mortgage

August 13, 2025 by Rilian Ball

The Benefits of Paying Points on Your MortgageWhen you take out a mortgage, you may be given the option to pay points in exchange for a lower interest rate. A mortgage point, also known as a discount point, is equal to 1% of the loan amount. For example, if you re financing $200,000, one point would cost $2,000. While paying points means you ll pay more upfront, it can offer long-term savings. Understanding the benefits of paying points on your mortgage can help you decide if it's the right move … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Loans, Mortgage Points, Mortgage Tips

Should You Get a Mortgage If You Plan to Move Soon?

July 31, 2025 by Rilian Ball

Deciding to buy a home when you know you might move within a few years can be a challenging choice. Many people wonder if it makes financial sense to take on a mortgage if they will not live in the property long term. The answer depends on several factors, including your personal goals, market conditions, and your financial situation. Consider Your Time HorizonMortgage loans often come with upfront costs such as closing fees, appraisal costs, and sometimes private mortgage insurance. If you plan … [Read more...]

Filed Under: Mortgage Tagged With: Home Buying, Mortgage Tips, Moving Soon

The Benefits of Mortgage Rate Buydowns

July 23, 2025 by Rilian Ball

When purchasing a home, every detail matters, especially your interest rate. One strategy that many buyers overlook is the mortgage rate buydown. A buydown allows you to lower your interest rate for the first few years of your loan, or even permanently, by paying upfront fees at closing. This option can significantly reduce your monthly payments, offering financial relief when you need it most. Types of Mortgage Rate BuydownsThere are two common types of buydowns. A temporary buydown, such as a … [Read more...]

Filed Under: Mortgage Rates Tagged With: Lower Payments, Mortgage Rate Buydown, Mortgage Tips

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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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