A mechanic’s lien is a legal claim placed on a property by a contractor, subcontractor, or supplier who has provided labor, materials, or equipment to improve the property. The lien serves as security for the payment of the debt owed…
May 4, 2023 by Rilian Ball The purchase and refinance mortgage processes are similar in many ways, but there are also some important differences. Here is a general overview of how each process typically works: Purchase Mortgage Process Determine your budget: Before you…
Getting ready to list your home for sale? There are a few technology resources that will help you make the most of your marketing efforts. Whether you are working with a real estate agent or listing your home For Sale…
April 25, 2023 by Rilian Ball PMI (Private Mortgage Insurance) is a type of insurance that lenders may require borrowers to pay if they have a down payment of less than 20% of the home’s purchase price. The purpose of PMI is…
April 6, 2023 by Rilian Ball If you are looking to buy a home, you may want to consider shopping for a loan first. Having your financing squared away ahead of time can make it easier to be taken seriously by buyers…
April 5, 2023 by Rilian Ball When you are considering purchasing a home, understanding the lending guidelines regarding a down payment is important. For more information, contact a loan officer at First Capital Group in Visalia, Tulare, Porterville, and Bakersfield. Here are…
April 4, 2023 by Rilian Ball Do you find yourself staring out the window, longing for an early sunrise, hot days and late evenings? With spring just around the corner, it might feel like summer is a lifetime away. For more information,…
April 3, 2023 by Rilian Ball Last week’s economic reporting included readings on home prices, inflation, and pending home sales. Weekly readings on mortgage rates and jobless claims were also published. S&P Case-Shiller Home Price Indices Report Slower Home Price Growth in…
March 31, 2023 by Rilian Ball Right now, the real estate market is very competitive, and you might be tempted to use a few white lies to make your offer seem more competitive. No matter how much you want to purchase a…
March 30, 2023 by Rilian Ball Buying a home comes with numerous financial planning obligations. It’s far from a turn-key operation and one of the significant challenges involves developing a working knowledge about things often outside your area of expertise. For more…
