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Mortgages for Newlyweds, Combining Finances and Buying Your First Home

September 3, 2025 by Rilian Ball

Starting your life together as a married couple is an exciting season filled with new milestones. One of the biggest decisions many newlyweds face is whether to buy a home together. While combining households and finances can feel overwhelming, taking time to understand how mortgages work and planning together can set you up for long-term success. Understanding Your Finances as a Team Before starting the home search, it is important to sit down together and look at the full picture of your … [Read more...]

Filed Under: Mortgage Tips Tagged With: First Home Together, Home Buying Tips, Newlyweds and Homeownership

What’s Ahead For Mortgage Rates This Week – September 2nd 2025

September 2, 2025 by Rilian Ball

With the release of the PCE Index, inflation has shown to still be creeping upwards but there is significant speculation that the Federal Reserve will continue with their interest rate cut in the future. Meanwhile, the Consumer Sentiment report has been growing pessimistic amidst the job market, which has been shown to be in a pattern of cooling down. This is offset by the strong growth by the GDP estimates for the second quarter, as it was initially predicted the tariff changes would have a … [Read more...]

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

Happy Labor Day!

September 1, 2025 by Rilian Ball

Today we celebrate the hard work, dedication, and dreams of so many families. Labor Day is more than just a day off, it is a reminder of why we work hard: to create a life we love and a place we are proud to call home. Whether you are grilling in the backyard, relaxing with family, or simply enjoying some well-deserved rest, take a moment to appreciate the home you have built, or the one you are dreaming about. As a mortgage professional, I know firsthand that a home is not just about four … [Read more...]

Filed Under: Holidays Tagged With: HomeSweetHome, LaborDay, MortgageMadeSimple

Artificial Intelligence and the Future of Mortgage Decisions

August 29, 2025 by Rilian Ball

Artificial intelligence is transforming the mortgage industry. Lenders now use AI to analyze applications, assess risk, and make decisions faster than ever. This technology helps streamline underwriting, reduces human error, and allows mortgage originators to focus on providing personalized guidance. AI is not replacing professionals but enhancing their ability to serve clients efficiently and accurately. How Algorithms Assess Your Loan: AI algorithms review large amounts of data quickly. They … [Read more...]

Filed Under: Mortgage Tips Tagged With: All In Mortgages, Mortgage Originator, Smart Borrowing

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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 – September 15th, 2025
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  • 5 Key Steps in the Mortgage Underwriting Process
  • Understanding the Temporary Rate Reduction Mortgage

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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