Rilian Ball

First Capital Group

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What’s Ahead For Mortgage Rates This Week – October 26th, 2026

October 26, 2026 by Rilian Ball

The Consumer Sentiment report was the largest release in an otherwise light week. The report showed that sentiment has improved over the last couple of months. However, this improvement comes against the backdrop of consumer sentiment having dropped more than 30 points since January and remaining at relatively low levels throughout the year. With inflation remaining stubborn and impactful, it is no surprise that consumer sentiment has taken a hit. The Federal Reserve's balance sheet has shed … [Read more...]

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

How Leased Solar Panels Can Affect Your Mortgage Approval

October 23, 2026 by Rilian Ball

Solar panels can make a home attractive to buyers who want to manage electricity costs. But the panels on a roof are not always owned by the seller. When a solar system is leased or covered by another third-party agreement, buyers may need to review additional paperwork before their mortgage can be finalized. Owned and Leased Systems Are Different With an owned solar system, the homeowner generally owns the equipment, although there may still be a loan secured by the system or property. With a … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buyer Tips, Mortgage Approval, Mortgage Tips

What Happens When the Home You Want Is on a Private Road?

October 22, 2026 by Rilian Ball

A home tucked away at the end of a quiet private road may offer the privacy and space buyers have been looking for. Yet the road leading to the front door can raise questions that have little to do with the home's appearance. Before purchasing, it is important to understand who has the right to use that road and who is responsible for maintaining it. Private Roads Are Not All Alike Unlike a public street typically maintained by a government agency, a private road may be owned or maintained by … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgage Tips, Private Road, Property Access

Why Unpermitted Renovations Can Create Problems During Mortgage Approval

October 21, 2026 by Rilian Ball

A remodeled kitchen, converted garage, or added bedroom can make a home look more appealing. But a beautiful renovation does not always tell the full story. If work was completed without permits that were required locally, buyers may encounter questions during the appraisal, inspection, or mortgage approval process. What Does Unpermitted Work Mean? Building departments often require permits for certain structural, electrical, plumbing, and other improvements. Requirements vary by location and by … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Renovations, Mortgage Approval, Mortgage Tips

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Rilian Ball


Branch Manager

NMLS # 202687

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

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Recent Articles

  • What’s Ahead For Mortgage Rates This Week – October 26th, 2026
  • How Leased Solar Panels Can Affect Your Mortgage Approval
  • What Happens When the Home You Want Is on a Private Road?
  • Why Unpermitted Renovations Can Create Problems During Mortgage Approval

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

Equal Housing Opportunity

Loan Options

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  • FHA Home Loan
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  • Jumbo Home Loan
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