Rilian Ball

First Capital Group

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Could You Save Money by Refinancing Right Now?

July 18, 2025 by Rilian Ball

Understanding the Real BenefitsThe most common reason to refinance is to lower your monthly payment by getting a better interest rate. But refinancing can also help you pay off your loan faster, switch from an adjustable to a fixed rate, or tap into your home equity for important expenses. If your credit score has improved, or if your home has gained value, you may qualify for better loan terms now than when you originally purchased. Lower Monthly Payments or Faster PayoffEven a small drop in … [Read more...]

Filed Under: Financial Reports Tagged With: Mortgage Tips, Refinance Reports, Save Money

The One Number More Important Than Your Credit Score for Mortgage Approval

July 17, 2025 by Rilian Ball

When it comes to getting approved for a mortgage, most people immediately think of their credit score. While it is definitely important, there is another number that can play an even bigger role in your approval, our debt-to-income ratio. Also known as DTI, this number gives lenders a clearer picture of your ability to manage monthly payments and overall debt. What Is Debt-to-Income RatioYour debt-to-income ratio is the percentage of your monthly gross income that goes toward paying debts. This … [Read more...]

Filed Under: Financial Reports Tagged With: Debt to Income, Home Financing, Mortgage Tips

How to Talk to Your Parents About Co-Signing a Mortgage

July 16, 2025 by Rilian Ball

Asking your parents to co-sign a mortgage can be one of the most vulnerable conversations you will ever have. It is not just about paperwork and finances, it is about trust, timing, and long-term commitment. Whether you are a first-time buyer or trying to qualify for better loan terms, a co-signer can make a big difference, but only if everyone involved is fully informed and comfortable. Understand What Co-Signing Really MeansBefore bringing it up, make sure you understand what co-signing a … [Read more...]

Filed Under: Financial Reports Tagged With: Cosign Help, First Time Buyer, Mortgage Tips

Understanding the Fear Behind Mortgage Debt and How to Move Past It

July 15, 2025 by Rilian Ball

Buying a home is one of the most exciting milestones in life, but the thought of taking on a mortgage often creates anxiety. The idea of owing hundreds of thousands of dollars can feel overwhelming, even if you are financially stable. If you have ever hesitated to move forward with a home loan out of fear, you are not alone. This emotional reaction is more common than many people realize. The Emotional Triggers of DebtFear of mortgage debt is often tied to our instinct to avoid financial risk. … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Confidence, Homeownership Journey, Mortgage Help

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Rilian Ball


Branch Manager

NMLS # 202687

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

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Recent Articles

  • Could You Save Money by Refinancing Right Now?
  • The One Number More Important Than Your Credit Score for Mortgage Approval
  • How to Talk to Your Parents About Co-Signing a Mortgage
  • Understanding the Fear Behind Mortgage Debt and How to Move Past It

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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