Rilian Ball

First Capital Group

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Your Debt-To-Income Ratio and How It Affects Your Mortgage

April 5, 2017 by Rilian Ball

When you're delving into the market in the hopes of finding your dream home, it's likely you'll come across the term debt-to-income ratio. This may not seem important at first, but your DTI is the key to determining the amount of money you can put into your home and just how much you should spend on a monthly basis. If you're curious about what this means for you, here's how to calculate it and how it can impact your mortgage. What's Your DTI Ratio? One of the best ways to determine whether or … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage, Mortgages and Credit

Understanding Mortgage Amortizations and Why Longer Periods Can Cost More

April 4, 2017 by Rilian Ball

Buying a home is one of the largest investments you will make in your life, and that's why so many people have longer mortgage amortization periods to pay down the principal. While it may seem appealing to have a longer amortization period, here's why an extended loan term can end up costing you more and may be less financially beneficial when it comes right down to it. About Mortgage Amortization Generally speaking, a 25-year mortgage amortization period can be typical, but there are many loan … [Read more...]

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

Trim Your Mortgage Closing Costs by Following This Easy 3 Step Guide

March 30, 2017 by Rilian Ball

You may be so busy with determining your debt-to-income ratio and deciding what kind of offer to make that closing costs have gotten lost in the mix, but it's important to remember that finalizing your mortgage will cost you extra. While there's no way to get around paying money to solidify your mortgage, there are a few steps you can take in order to make it more economical for you. Shop Around For A Lender Many people go with the lender that is offered to them, but it's a good idea to do the … [Read more...]

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

Is It Still Possible to Get a Mortgage With Zero Down? Yes – and Here’s How

March 23, 2017 by Rilian Ball

When it comes to investing in a mortgage, the down payment is key in making your investment a reality and proving to lenders that you're a safe bet. However, while most opportunities for putting zero down on a home have disappeared since the recession, there are still a few ways to buy without putting money down. If you're currently weighing your options, here's what you need to know if you don't have a down payment ready. Loan Programs With No Down Payment There are still a number of zero down … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Down Payments, Home Mortgage Tips, Mortgage

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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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