Rilian Ball

First Capital Group

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4 Ways to Help Your Mortgage Transaction Close On Time

December 13, 2023 by Rilian Ball

When you've finally found the home you're looking for at the right price, it's easy to think that the hard part is over; however, there's still a lot to do in order to ensure your purchase goes through without a hitch. If you're tying up the loose ends on your home purchase, here are some things you should do to avoid any unnecessary delays. Hire A Legal Professional However much research you may have done in regards to buying a home, there's still a lot of legal jargon in the closing documents … [Read more...]

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

Pre-approval vs. Pre-qualification

December 12, 2023 by Rilian Ball

Pre-approval and pre-qualification are terms commonly used in the context of mortgage loans, but they can also apply to other types of loans. While they sound similar, they have different meanings and implications in the loan application process: Pre-qualification: Definition: Pre-qualification is a preliminary assessment of a borrower's financial situation based on information provided by the borrower. It does not involve a thorough analysis of the borrower's credit report or an in-depth … [Read more...]

Filed Under: Home Mortgages Tagged With: Mortgage, Pre-Approval, Pre-qualification

How Do Mortgage Points Cut Your Interest Costs?

December 7, 2023 by Rilian Ball

Those who are involved in the real estate industry likely know that mortgage rates are at an all-time low. At the same time, nobody wants to pay more for a house than they have to. Some of the most important factors that dictate how much someone is going to pay for a house include points and interest rates. While interest rates are incredibly low, there is a way to make them lower. This comes in the form of points. This is additional money that is paid upfront to get a better deal over the life … [Read more...]

Filed Under: Mortgage Tagged With: Financing Options, Interest Rates, Mortgage

You Ask, We Answer: What Are the Pros and Cons of Private Mortgage Insurance?

December 6, 2023 by Rilian Ball

It's easy to get Private Mortgage Insurance (PMI) confused with homeowners' insurance, but PMI is an entirely different thing that may or may not be necessary when it comes to your home purchase. If you're going to be investing in a home in the near future and are wondering what PMI may mean for you, here are some things to consider regarding this type of insurance. Your Down Payment Amount If you've been perusing the housing market for a while, you've probably heard that 20% is the ideal amount … [Read more...]

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

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Rilian Ball


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NMLS # 202687

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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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