Rilian Ball

First Capital Group

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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

Pet-Friendly Mortgages And How Owning Pets Could Affect Your Loan Choices

May 21, 2025 by Rilian Ball

We love our pets, they are part of the family. But did you know that your furry (or feathered) friend could play a surprising role in your homebuying journey? While your dog probably will not impact your credit score, being a pet owner can influence where and how you buy a home, and even the type of loan you choose.As a mortgage originator, I have worked with many clients who did not realize their pets could affect everything from HOA rules to homeowners’ insurance policies. Here is what … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Tips, Mortgage Advice, Pet Friendly Living

Creative Ways to Use Mortgage Pre-Approval to Your Advantage

April 2, 2025 by Rilian Ball

When shopping for a home, securing mortgage pre-approval is one of the most important steps you can take. Not only does it show sellers that you are a serious buyer, but it also gives you a clearer picture of your budget and financing options. However, many homebuyers do not realize that mortgage pre-approval can be leveraged in multiple ways to maximize their home search and negotiation power.Strengthen Your Offer in a Competitive MarketIn today’s fast-moving real estate market, multiple … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Tips, Mortgage Pre Approval, Mortgages

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Rilian Ball


Branch Manager

NMLS # 202687

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

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Recent Articles

  • Creative Strategies for Managing Mortgage Payments During Financial Hardship
  • 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

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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