Rilian Ball

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Understanding Loan Estimates for Smarter Home Financing

January 15, 2025 by Rilian Ball

When you begin the exciting journey toward homeownership, understanding the financial aspects is vital. A key document in this process is the Loan Estimate. Provided by lenders when you apply for a mortgage, the Loan Estimate is your guide to deciphering the terms of your loan. Learning how to read and analyze this document is a significant step in making informed decisions about your home financing. What is a Loan Estimate? A Loan Estimate is a standardized, three-page document that breaks down … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Financing, Loan Estimate, Mortgage Tips

Will Refinancing Impact Your Credit?

December 10, 2024 by Rilian Ball

Refinancing a mortgage can provide significant financial benefits, such as lowering your interest rate or accessing home equity. However, it’s important to understand how the process may temporarily affect your credit score. Here’s an in-depth look at the potential short- and long-term effects of refinancing on your credit, along with tips for minimizing any negative impacts. What Does It Mean to Refinance a Mortgage? When you refinance, you replace your existing mortgage with a new … [Read more...]

Filed Under: Credit Scoring Tagged With: Credit Health, Mortgage Tips, Refinance Smart

Steps to Prepare for Future Home Financing and Year-End Financial Checklist

December 3, 2024 by Rilian Ball

As the year draws to a close, it’s the perfect time to take a step back and review your financial health, especially if you plan to purchase a home next year. Whether you’re a first-time buyer or looking to upgrade, proper preparation can make all the difference when securing a mortgage with favorable terms. Here's a comprehensive checklist to ensure you’re financially ready for home financing in the year ahead. 1. Review Your Credit Score Your credit score is one of the most … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Financial Planning, Home Financing, Mortgage Tips

Why Tax Prep is Crucial for Mortgage Applicants

November 27, 2024 by Rilian Ball

When you are preparing to buy a home, tax season should be on your radar as it plays a significant role in your mortgage application process. Whether you're a first-time homebuyer or a seasoned investor, how you file your taxes can have a direct impact on the mortgage you qualify for. Understanding this connection can help streamline the process and potentially save you money on your loan. How Tax Returns Impact Your Mortgage Application The income reported on your tax returns is one of the most … [Read more...]

Filed Under: Taxes Tagged With: Mortgage Tips, Self Employed Homebuyers, Tax Preparation

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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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