Rilian Ball

First Capital Group

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The Impact of Gender and Race on Mortgage Approval Rates

July 1, 2025 by Rilian Ball

Addressing Inequity in LendingThe mortgage approval process is a critical step in the path to homeownership. While lending guidelines are designed to promote fair and consistent evaluation, studies have shown that disparities persist based on gender and race. These differences raise important concerns about equal access to credit and the long-term effects on wealth building, community development, and financial equity in the United States. Understanding the Approval ProcessMortgage approval … [Read more...]

Filed Under: Mortgage Tagged With: Fair Lending, Homeownership Access, Mortgage Equity

What’s Ahead For Mortgage Rates This Week – June 30th, 2025

June 30, 2025 by Rilian Ball

With the passing of the previous busy weeks of rate decisions, this week features the Federal Reserve’s preferred inflation report in the PCE Index, which has shown that inflation has come in hotter than expected for the month of May. This likely cements the Federal Reserve’s decision to take no action until later and further confirming most economists' predictions. The consumer confidence has also taken a hit as it has further declined again for the month of May, indicating there is … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

From Pre-Approval to Closing What to Expect in the Mortgage Journey

June 27, 2025 by Rilian Ball

June is National Homeownership Month, making it the perfect time to understand the full path to homeownership. If you are planning to buy a home, especially for the first time, knowing what to expect during the mortgage process can take away much of the stress. This guide walks you through each step and highlights how working with the right mortgage professional keeps everything on track. Step One: Pre-ApprovalThe first and most important step in your mortgage journey is pre-approval. This is … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage Journey, National Homeownership Month, Pre-Approval To Closing

How HomeReady and Home Possible Mortgages Open Doors During National Homeownership Month

June 26, 2025 by Rilian Ball

June is National Homeownership Month, a time to spotlight the programs that make owning a home more accessible to more people. While many potential buyers believe they need perfect credit or a large down payment, programs like HomeReady® and Home Possible® prove otherwise. As a mortgage originator, I see firsthand how these affordable loan options can turn homeownership from a dream into a reality. Understanding HomeReady and Home PossibleHomeReady® is offered by Fannie Mae and is … [Read more...]

Filed Under: Mortgage Tagged With: Home Possible Loan, Home Ready Loan, National Homeownership Month

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Rilian Ball


Branch Manager

NMLS # 202687

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

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Recent Articles

  • The Impact of Gender and Race on Mortgage Approval Rates
  • What’s Ahead For Mortgage Rates This Week – June 30th, 2025
  • From Pre-Approval to Closing What to Expect in the Mortgage Journey
  • How HomeReady and Home Possible Mortgages Open Doors During National Homeownership Month

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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