Rilian Ball

First Capital Group

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Looking Ahead: How to Ensure That You Are Taking Full Advantage of Mortgage Tax Credits

September 24, 2015 by Rilian Ball

One of the major benefits to purchasing a home with a mortgage are the tax credits that can be taken advantage of when April 15 comes around. Many homeowners are unaware of what mortgage related expenses can be deducted and, more importantly, which ones can no longer be deducted. Receive A Tax Deduction For Interest Paid On The Mortgage The most common tax credit associated with mortgages is the interest paid credit. This allows borrowers to deduct the cost of the interest paid on their mortgage … [Read more...]

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

Critical Documents That You’ll Need to Have Ready Before Applying for a Mortgage

September 22, 2015 by Rilian Ball

If not done properly, applying for a mortgage can be stressful and time consuming, but with the right preparation the entire process can be seamless. Here are some crucial pieces of information that almost any lender will require before approving a mortgage. Tax Information From The Previous Two Years One of the most important documents a borrower will be asked for is their federal tax return along with a signed Form 4506-T, which will allow the lender to contact the IRS directly for their … [Read more...]

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

First-Time Home Buyer? 3 Budgeting Tips to Help Make Your Mortgage Payments Easier

September 17, 2015 by Rilian Ball

Buying a new home is an exciting time, but excitement can easily turn to stress if there isn't enough money to pay the monthly mortgage bill. The added expense can take some time to get used to, but there are ways to make the payments easier, especially in those first few months when money is the tightest. Prioritize The Mortgage Bill And Pay It Immediately This may seem like a counterintuitive tip for anybody looking for help making mortgage payments, but it is easily the best one and the one … [Read more...]

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

The Quick and Easy Guide to Understanding the Math Behind Your Mortgage Closing Costs

September 15, 2015 by Rilian Ball

It's amazing that in a year with extremely low mortgage rates being reported around the country, closing costs are up by as much as 6% from the previous year. Part of the reason for this is that the stricter regulations on loans have increased the costs to banks, and they always find a way to pass on new costs to the consumer. Understanding Third-Party Closing Costs When closing on a mortgage the borrower will notice a long list of additional fees that they are expected to pay for. These can … [Read more...]

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

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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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Loan Options

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