Rilian Ball

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Creative Ways to Use Rent-to-Own Agreements to Buy a Home

July 10, 2025 by Rilian Ball

A rent-to-own agreement is a contract that allows a tenant to rent a home with the option to buy it later. Part of the monthly rent payment typically goes toward the future down payment or purchase price. This approach can be ideal for buyers who need more time to improve their credit, save money, or get financially ready for homeownership. It blends the flexibility of renting with the long-term goal of owning. Why Rent-to-Own Appeals to Future BuyersRent-to-own is especially attractive to those … [Read more...]

Filed Under: Home Buyer Tips Tagged With: First Time Home Buyer, Home Buying Tips, Rent-to-Own Agreements

The Psychology of Homebuying and Emotions vs. Financial Logic

July 9, 2025 by Rilian Ball

Buying a home is not just a financial decision, it is an emotional one too. For many people, homeownership represents stability, success, and personal freedom. Whether it is the excitement of finding your dream kitchen or imagining holidays with family, emotions naturally come into play. These feelings can create a strong connection to a property and often influence the decisions buyers make, sometimes even more than logic does. Why Emotions Often Drive DecisionsWhen touring homes, buyers may be … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Emotions vs Logic, First Time Home Buyer, Home Buying Tips

Celebrating National Homeownership Month and How First-Time Buyer Programs Make It Possible

June 18, 2025 by Rilian Ball

June is National Homeownership Month, a time to celebrate the dream of owning a home and spotlight the many programs designed to help first-time buyers turn that dream into reality. For many Americans, the biggest challenge to buying a home is coming up with the funds for a down payment or qualifying for a loan. Fortunately, there are a wide variety of mortgage options and assistance programs available to make homeownership more achievable. FHA Loan One of the most widely used mortgage … [Read more...]

Filed Under: Home Buyer Tips Tagged With: First Time Buyer, Homeownership Dream, National Homeownership Month

Can I Finance Home Renovations Into My Mortgage at Closing?

April 25, 2025 by Rilian Ball

Purchasing a home that needs renovations or upgrading your current home can be costly, but financing home improvements through your mortgage can be an effective solution. Instead of taking out a separate loan for renovations, some mortgage programs allow you to roll the cost of home improvements into your home loan at closing. This strategy can help you spread renovation costs over time while securing a potentially lower interest rate compared to personal loans or credit cards. How Financing … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Home Buying, Home Renovation, Mortgage Tips

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Rilian Ball


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NMLS # 202687

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

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Recent Articles

  • Creative Ways to Use Rent-to-Own Agreements to Buy a Home
  • The Psychology of Homebuying and Emotions vs. Financial Logic
  • How to Finance Energy-Efficient Home Improvements with a Mortgage
  • What’s Ahead For Mortgage Rates This Week – July 7th, 2025

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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