Rilian Ball

First Capital Group

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Honoring Veterans Day, and Celebrating Homeownership

November 11, 2025 by Rilian Ball

Today, we pause to honor the brave men and women who have served our country. Your courage, sacrifice, and dedication protect the freedoms that allow us all to call this nation home. As a mortgage professional, I am proud to support our veterans and active-duty service members through the VA home loan program. This incredible benefit helps make homeownership more affordable, with no down payment, no private mortgage insurance, and competitive interest rates. Thank you to all who have served, and … [Read more...]

Filed Under: Mortgage Tagged With: Homeownership, Mortgage, Veterans Day

What’s Ahead For Mortgage Rates This Week – November 10th, 2025

November 10, 2025 by Rilian Ball

With the government shutdown heading into a possible resolution, there were still delays on important data such as employment report releases. This has been somewhat relieved with the release of other reports that have been delayed in the past within the current government shutdown. This time we are looking at Consumer Sentiment reports by Univ. of Michigan, which has reported a record low in sentiment in the last 6 months amidst the government shutdown. This signifies growing consumer anxiety … [Read more...]

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

When and How to Secure a Favorable Mortgage Rate Lock

November 7, 2025 by Rilian Ball

Interest rates can fluctuate from one week to the next, and that can have a major impact on your monthly payment and overall loan cost. A mortgage rate lock gives you the ability to secure your interest rate for a set period of time, protecting you from unexpected increases while your loan is being finalized. Understanding how rate locks work can help you choose the right time and terms for your situation. What a Rate Lock MeansA rate lock is an agreement between you and your lender that … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Advice, Interest Rates, Mortgage Tips

What to Expect at Your First Mortgage Appointment

November 6, 2025 by Rilian Ball

Meeting with a lender for the first time is a big step in your homebuying journey. Whether you are buying your first home or upgrading to your next one, your mortgage appointment sets the stage for what comes next. Knowing what to expect helps you feel confident, prepared, and ready to make the most of that important conversation. Gathering Your Financial Information Before your appointment, your lender will want to review your financial details. This includes your recent pay stubs, W-2 forms, … [Read more...]

Filed Under: Mortgage Tips Tagged With: First Time Home Buyer, Home Buying Tips, Mortgage Advice

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Rilian Ball


Branch Manager

NMLS # 202687

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

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Recent Articles

  • Honoring Veterans Day, and Celebrating Homeownership
  • What’s Ahead For Mortgage Rates This Week – November 10th, 2025
  • When and How to Secure a Favorable Mortgage Rate Lock
  • What to Expect at Your First Mortgage Appointment

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

Equal Housing Opportunity

Loan Options

  • Fixed Rate Mortgages
  • FHA Home Loan
  • VA Home Loan
  • Jumbo Home Loan
  • USDA Home Loan

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