Rilian Ball

First Capital Group

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Avoid These Costly Mortgage Mistakes

February 11, 2025 by Rilian Ball

Buying a home is one of the biggest financial decisions you’ll ever make. While it’s an exciting milestone, the mortgage process can be complex, and simple mistakes can cost you thousands of dollars or even derail your homeownership dreams. To ensure a smooth home-buying journey, here are some of the most common mortgage pitfalls—and how to avoid them. 1. Overextending Your Budget It’s tempting to fall in love with a home that stretches your budget, but committing to a … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: First Time Buyer, Home Buying, Mortgage Tips

How Can I Get Removed from a Mortgage as a Co-Signer?

February 7, 2025 by Rilian Ball

Being a co-signer on a mortgage can be a significant financial commitment, one that you might not want to maintain indefinitely. Whether your circumstances have changed, or the primary borrower is now in a position to manage the loan independently, it’s understandable to want to remove your name from the mortgage. While the process can be complex, there are several pathways to achieve this goal. Here's what you need to know.Understanding the Role of a Co-SignerWhen you co-sign a mortgage, … [Read more...]

Filed Under: Home Financing Tips Tagged With: Loan Assumption, Mortgage Tips, Refinancing

What to Do If Interest Rates Drop After Getting a Mortgage

January 28, 2025 by Rilian Ball

When securing a mortgage, buyers aim to lock in the best possible interest rate. But what if interest rates fall after you’ve closed on your loan? Are you stuck with your current rate? The good news is that you may have options, whether your loan is brand-new or you’ve been paying it off for a while. Here are three ways to take advantage of lower rates. 1. Explore a Float Down Option Many borrowers choose fixed-rate loans for stability—they protect you from rising rates. … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Lower Interest Rates, Mortgage Tips, Refinance Options

How Can You Prepare Your Finances for a Mortgage?

January 22, 2025 by Rilian Ball

Dreaming of owning a home? Preparing your finances for a mortgage is key to making that dream a reality. Here’s how to get started: 1. Create a Budget Understanding how much you can afford is the first step. Review your monthly expenses and set a target mortgage payment that aligns with your budget. For example, if you’re comfortable paying $1,200 in rent, aim for a mortgage payment around that amount. 2. Save for a Down Payment Start building your savings for the down payment. If … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Financial Planning, Home Buying Journey, Mortgage Tips

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Rilian Ball


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NMLS # 202687

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Rilian Ball
NMLS # 202687

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