Rilian Ball

First Capital Group

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When and How to Save Money by Refinancing Your Mortgage

December 2, 2025 by Rilian Ball

Refinancing can be a smart way to lower your monthly payment, reduce your interest rate, or tap into equity for financial goals. Many homeowners wait too long to reconsider their loan, but the right timing can put real money back into your pocket. Understanding when to refinance and how the process works helps you make a confident decision. Understanding Why Refinancing MattersRefinancing replaces your existing mortgage with a new one that may offer better terms. Homeowners often refinance to … [Read more...]

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

What’s Ahead For Mortgage Rates This Week – December 1st, 2025

December 1, 2025 by Rilian Ball

Many of the reports scheduled for release last week were delayed yet again, including the anticipated unemployment data. There is an expectation that they will be released next week. The only on-time release was the third-party Consumer Sentiment report from the University of Michigan, which aligned with expectations and generally indicated that consumers remain dissatisfied with the current state of things, citing high prices and consistently weakening incomes. Univ. of Michigan Consumer … [Read more...]

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

The Role of Mortgage Originators in Negotiating Loan Terms with Lenders

November 28, 2025 by Rilian Ball

Many buyers only see the visible steps in the mortgage process, such as gathering documents or reviewing approval conditions. Behind the scenes, a mortgage originator plays a significant role in advocating for the borrower and helping secure loan terms that match the buyerís financial goals. This guidance can make the entire experience smoother and more successful. How an Originator Reviews Your Financial PictureA mortgage originator begins by understanding your full financial profile. … [Read more...]

Filed Under: Mortgage Tagged With: Home Loan Support, Mortgage Education, Mortgage Guidance

Thanksgiving Day Gratitude

November 27, 2025 by Rilian Ball

Today is a day to pause and reflect on the people who make this work meaningful. We are truly thankful to every person who has allowed me to be part of their home journey. Whether we have worked together in the past, are connected right now, or will meet in the future, we appreciate the trust you place in us. Thankful for Your ConfidenceEvery conversation, every question and every step forward is a reminder of what an honor it is to support you through one of the most important decisions in … [Read more...]

Filed Under: Holidays Tagged With: Grateful For You, Home Journey, Thankful Heart

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Rilian Ball


Branch Manager

NMLS # 202687

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

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Recent Articles

  • When and How to Save Money by Refinancing Your Mortgage
  • What’s Ahead For Mortgage Rates This Week – December 1st, 2025
  • The Role of Mortgage Originators in Negotiating Loan Terms with Lenders
  • Thanksgiving Day Gratitude

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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