Rilian Ball

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How Property Taxes Impact Your Mortgage Payment

June 6, 2025 by Rilian Ball

When buying a home, most people focus on the home price, interest rate, and monthly payment. But there's another major factor that can significantly affect your mortgage: property taxes. These taxes can make your mortgage payment higher than expected and understanding how they work is key to managing your budget effectively. Below, I will break down how property taxes influence your mortgage and what you can do to plan ahead. What Are Property Taxes?Property taxes are local taxes assessed on … [Read more...]

Filed Under: Mortgage Tagged With: Escrow Account, Mortgage Tips, Property Taxes

A New Homebuyer’s Guide to Understanding Property Taxes

April 25, 2024 by Rilian Ball

Purchasing a new home is an exciting milestone, but it also comes with various responsibilities, including understanding property taxes. Property taxes are a crucial aspect of homeownership, as they contribute to local government funding and services. In this guide, we'll break down everything you need to know about property taxes as a new homebuyer. What Are Property Taxes? Property taxes are taxes imposed by local governments on property owners. These taxes are based on the assessed value of … [Read more...]

Filed Under: Mortgage Tagged With: New Home, New Homebuyer, Property Taxes

The Role of Mortgage Escrow Accounts in Property Tax and Insurance Payments

January 3, 2024 by Rilian Ball

A mortgage escrow account, also known simply as an escrow account, is a financial arrangement set up by a mortgage lender to manage and disburse certain payments related to the property on behalf of the homeowner. The purpose of an escrow account is to ensure that essential expenses, such as property taxes and homeowners’ insurance, are paid on time. Here's how a mortgage escrow account works: Creation of Escrow Account: When you obtain a mortgage loan, your lender may require you to … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Escrow, Mortgage, Property Taxes

Disputing Your Property Tax Assessment Can Save You Money

August 10, 2023 by Rilian Ball

Property taxes can be a substantial financial burden for homeowners and property owners. Each year, local governments assess the value of properties to determine the amount of property tax owed. However, these assessments are not always accurate and can result in higher tax bills than necessary. Disputing your property tax assessment is a proactive way to potentially save money and ensure you're paying a fair and equitable amount. Reasons for Flawed Assessments: Property tax assessments are not … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage, Property Taxes, Tax Assessments

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Rilian Ball


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NMLS # 202687

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

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  • What’s Ahead For Mortgage Rates This Week – June 9th, 2025
  • How Property Taxes Impact Your Mortgage Payment
  • The Impact of Inflation on Mortgage Rates and Home Affordability
  • How to Pay Off Your Mortgage 10 Years Early Without Extra Payments

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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