Rilian Ball

First Capital Group

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Is Now a Good Time to Cash Out Your Home Equity?

March 12, 2019 by Rilian Ball

For many Americans, their home is their primary investment. The equity stored in your residence can be a source of available cash for home repairs, upgrades, or for financing the purchase of investment properties. However, few homeowners really understand the process that results in home equity.  What Is Home Equity? Your monthly mortgage payment goes towards two different amounts. The first is the interest that you pay for the loan. The other is your principal payment or the amount that … [Read more...]

Filed Under: Mortgage Tagged With: Equity, Mortgage, Refinance

5 Options To Consider When Your Appraisal Comes In Low

March 8, 2019 by Rilian Ball

Yikes! You are set on buying the home that you picked out and the appraisal comes back at a lower amount than the amount needed for the home loan to be approved. What do you do? After you calm down your significant other and then take three deep breaths, here are some options to consider. Request A New Appraisal Appraisals are only one person's professional opinion. There are rules that must be followed when making an appraisal; however, there is still some flexibility in how to apply the rules. … [Read more...]

Filed Under: Mortgage Tagged With: Appraisal, Home Buying, Mortgage

5 Key Tips To Prepare For A Quick Mortgage Approval

March 5, 2019 by Rilian Ball

Whether you're finally prepared to get into the real estate market or you want to know how you can make a deal quick, there are a few necessary documents you'll need to prove your reliability to a mortgage lender. Here are the documents you'll want to have on hand when the time comes. Previous Tax Returns In order to ensure the earnings information you've provided to the lender, you'll need to have your tax returns for the two years prior to your mortgage application. In addition, you may also … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage, Mortgage Applications

8 Ways To Maintain A Great Credit Score

February 28, 2019 by Rilian Ball

Having an excellent credit score is very useful. The following are some tips on how to maintain a superb credit score. Open Credit Accounts When You Do Not Need Them If you don't have any credit accounts, you will have a low score. The best time to open them is when you do not need them. Keep a small balance on them and pay it all off at the end of each month to avoid paying interest. Charge Up To Half The Credit Limit Then Pay It All Back Within A Few Months If you must use a credit line, only … [Read more...]

Filed Under: Mortgage Tagged With: Budget, Credit Score, Mortgage

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Rilian Ball


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NMLS # 202687

Call: (559) 697-5322
info@firstcg.com

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  • How Property Taxes Impact Your Mortgage Payment
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  • Will Multiple Mortgage Applications Hurt Your Credit Score?

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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