Rilian Ball

First Capital Group

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What Sellers Need to Know About Becoming a Lender with Creative Financing

March 13, 2025 by Rilian Ball

Creative financing can be an attractive option for sellers, especially those with significant equity. One popular approach is carrying back a second mortgage, where the seller effectively becomes a lender to help the buyer complete the purchase. While this can be a beneficial arrangement, it’s essential to understand the risks and the protections available, particularly regarding lender’s title insurance. Why Consider Carrying Back a Second Mortgage? Let’s say you own a home … [Read more...]

Filed Under: Home Financing Tips Tagged With:  Creative Financing, Mortgage Tips, Seller Financing

How to Buy a Home with Zero Down Payment

March 7, 2025 by Rilian Ball

Buying a home without a down payment is possible, but it requires exploring the right loan programs and financial assistance options. While lenders have tightened their requirements since the 2008 housing crisis, there are still ways to achieve homeownership with little to no upfront cash. Loan Programs That Require No Down Payment VA LoansIf you are a current or former member of the U.S. military, a VA loan may be an excellent option. Backed by the Department of Veterans Affairs, VA loans … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Buying, Mortgage Tips, Zero Down

Why Shopping for a Mortgage Can Save You Thousands

March 6, 2025 by Rilian Ball

When buying a home or refinancing, comparing mortgage options can make a significant financial difference. Many borrowers assume that the first loan offer they receive is the best one, but taking the time to explore multiple lenders can lead to substantial savings. How Comparing Mortgages Saves Money Lower Interest Rates: Even a slight difference in interest rates can impact your monthly payments and the total amount you pay over the life of your loan. A lower rate can mean saving thousands of … [Read more...]

Filed Under: Home Mortgage Tagged With: Mortgage Tips, Refinance Tips, Save Money

Understanding Mortgage Payments and How to Calculate Them

March 5, 2025 by Rilian Ball

Knowing how to calculate mortgage payments can help you plan for homeownership and budget effectively. Several factors determine your monthly payment, including the loan amount, interest rate, and loan term. Here’s a step-by-step guide to understanding the process. Key Factors in Mortgage Payment Calculation Loan Amount – This is the total amount borrowed after the down payment. For example, if you’re purchasing a $300,000 home with a 20 percent down payment ($60,000), your … [Read more...]

Filed Under: Mortagage Tips Tagged With: Home Buying, Mortgage Payments, 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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