Rilian Ball

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The Importance of Employment History in Mortgage Approval and How Job Changes Impact Your Chances

July 23, 2024 by Rilian Ball

When you're applying for a mortgage, lenders scrutinize several aspects of your financial life to determine your eligibility. One crucial factor that can significantly influence the outcome is your employment history. Consistent and stable employment demonstrates to lenders that you have a reliable income stream, which reduces their risk in lending you money. However, job changes or gaps in employment can complicate the approval process. Let’s explore how your employment history affects … [Read more...]

Filed Under: Home Mortgage Tagged With: Employment History, Financial Stability, Mortgage

How to Manage a Mortgage After a Career Change

July 19, 2024 by Rilian Ball

A career change is usually an exciting journey, it offers new opportunities and growth. It can also bring challenges when you have a mortgage to manage. Balancing a new job and financial commitments can be stressful, but with the right strategies, you can stay on top of your mortgage payments and maintain your financial stability. 1. Assess Your New Financial SituationThe first step is to thoroughly assess your new financial situation. Understand your new income, any changes in benefits, and how … [Read more...]

Filed Under: Mortagage Tips Tagged With: Career Change, Financial Planning, Mortgage

Green Mortgages Financing Energy Efficient Homes

July 9, 2024 by Rilian Ball

What is a Green Mortgage? A green mortgage is a type of home loan designed to incentivize energy-efficient building practices. These mortgages are specifically tailored for properties that meet certain environmental standards, encouraging homeowners and buyers to consider energy efficiency as a key factor in their purchasing decisions. Benefits of Green Mortgages Lower Energy Bills One of the most immediate benefits of investing in an energy-efficient home is the reduction in utility costs. … [Read more...]

Filed Under: Homeowner Tips Tagged With: Eco Friendly, Energy Efficient Mortgage, Mortgage

The Pros and Cons of Mortgage Life Insurance

July 5, 2024 by Rilian Ball

Mortgage life insurance is a type of policy designed to pay off your mortgage in the event of your death. As with any financial product, it has its pros and cons. Understanding these can help you determine whether it makes sense for your situation. What is Mortgage Life Insurance? Mortgage life insurance, sometimes called mortgage protection insurance, is a policy that pays the remaining balance of your mortgage if you pass away before it is fully paid off. The benefit is directly linked to the … [Read more...]

Filed Under: Mortgage Tagged With: Insurance Coverage, Mortgage, Mortgage Life Insurance

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Rilian Ball


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NMLS # 202687

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info@firstcg.com

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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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