Rilian Ball

First Capital Group

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The Basics Of A Mortgage

June 3, 2020 by Rilian Ball

The vast majority of people who are interested in buying a home are not going to be able to pay cash for the home. Even for those who can buy a home in cash, they often would rather take out a loan to avoid pulling money out of their investments where they would have to pay capital gains taxes. Those who take out a loan to buy a home will apply for something called a mortgage. Simply put, a mortgage is a loan that someone uses to buy a home. Mortgages are very specific to the real estate … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage Tips, Mortgages, Qualify For Mortgage

3 Tips To Consider When Buying A Home With An FHA Mortgage

February 22, 2018 by Rilian Ball

FHA loans are becoming increasingly popular these days as potential homeowners may not able to qualify as easily for conventional mortgages. The FHA insures some higher-risk loans, in turn allowing borrowers with low down payments and less than perfect credit to purchase homes and bolster the housing market. However, while getting through the loan process with an FHA mortgage loan is not necessarily more difficult than with a conventional or conforming loan, there are some issues that you will … [Read more...]

Filed Under: Mortgage Tagged With: FHA Loans, Mortgages

Refinancing to Pay for Renovations? Consider the VA’s Energy Efficient Mortgage Program

June 8, 2016 by Rilian Ball

Making renovations that are energy efficient is not just a great way to reduce energy output, but it's also an effective way of decreasing monthly utility costs. It serves as a one-time investment that will save money in the long run. However, renovations are costly and not everybody has the extra finances required to make energy efficient changes. This is where the VA's energy efficient mortgage (or EEM) program comes into play. The program is designed to allow veterans to apply for a new … [Read more...]

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

The HARP Refinance Program Has Been Extended into 2016: Here’s How You Can Take Advantage

April 28, 2016 by Rilian Ball

With the Home Affordable Refinancing Program recently being extended until the last day of December, 2016, many homeowners who have found their assets in a challenging situation have been given a second chance to apply and receive an affordable mortgage. By taking advantage of the HARP program, eligible borrowers can refinance to the current mortgage rates on their homes while avoiding paying for private mortgage insurance or putting down the principal. A Quick Primer On The HARP Refinancing … [Read more...]

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

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Rilian Ball


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NMLS # 202687

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

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Recent Articles

  • Creative Strategies for Managing Mortgage Payments During Financial Hardship
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  • How to Finance Energy-Efficient Home Improvements with a Mortgage

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

Equal Housing Opportunity

Loan Options

  • Fixed Rate Mortgages
  • FHA Home Loan
  • VA Home Loan
  • Jumbo Home Loan
  • USDA Home Loan

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