Rilian Ball

First Capital Group

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Understanding the Jumbo Mortgage and Why Refinancing is Different

December 8, 2023 by Rilian Ball

The contemporary trend towards expansive dimensions is palpable in various aspects of modern life. Oversized soft drinks, large fast-food meals, and expansive smartphones have become ubiquitous. However, one unlikely sector experiencing a similar trend is the realm of mortgages. Delving into the specifics, what exactly constitutes a jumbo mortgage? How does it differ from its conventional counterpart, and what implications does it hold for potential refinancing? Here's a comprehensive overview. … [Read more...]

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

The LTV Ratio How Loan to Value Works and Why You Need to Understand This Ratio

October 13, 2023 by Rilian Ball Leave a Comment

Are you in the market for a new home? If you plan on using mortgage financing to buy your next home you've likely heard the phrase "loan-to-value" or the acronym "LTV" before. Let's take a quick look at the loan-to-value ratio including why it's important, how to calculate it, and how it can affect your mortgage. What is the Loan-to-Value or LTV Ratio? In short, the LTV ratio is a number that compares how much money you owe against your home with its resale value in the marketplace. A low LTV … [Read more...]

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

What Makes Up A PITI Mortgage Payment?

October 12, 2023 by Rilian Ball Leave a Comment

Many mortgage payments are made up of four parts, called PITI. PITI is an acronym that stands for principal, interest, tax, and insurance. It's important to understand PITI because it is the real number you need to use in order to find out how much mortgage you can afford to pay each month. One of the biggest mistakes first-time homebuyers make is using only the principal plus interest figure to calculate how much they'll be paying every month for their mortgage. Then, when the lender comes … [Read more...]

Filed Under: Mortgage Tips Tagged With: Insurance, Interest, Mortgages, Principal, Taxes

Looking to Pay Back Your Mortgage Faster? Three Reasons to Consider Switching to Bi-weekly Payments

September 20, 2023 by Rilian Ball

While there are differing schools of thought when it comes to whether or not a person should pay off a mortgage before the loan term ends, there may be some benefits to making payments on a bi-weekly basis as opposed to monthly basis. What are some of the reasons why it may be beneficial to make two payments a month instead of one? Here are three reasons why you should ditch the monthly fees and make payments once every two weeks. You'll Make An Extra Payment Per Year If you're looking to pay … [Read more...]

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

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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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