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Should You Buy a Home Before Your Lease Ends?

July 7, 2026 by Rilian Ball

Buying a home before your lease expires may seem like paying for two places at once, but in many cases it can actually make the transition smoother and less stressful. Every situation is different, and understanding your options can help you decide whether overlapping your lease and mortgage is the right move. Consider Your TimelineThe home buying process does not always follow a predictable schedule. A closing date can move, repairs may take longer than expected, or your moving plans could … [Read more...]

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

What’s Ahead For Mortgage Rates This Week – July 6th, 2026

July 6, 2026 by Rilian Ball

Unemployment data has shown some rather interesting statistics, with the lowest unemployment rates in the last 14 months being reported. Looking closer at the statistics shows that the unemployment rate hasn’t just dropped due to more people finding work, but also because a significant number of people have stopped looking for work, causing the numbers to appear more favorable. Among analysts, this is a pretty standout example, and currently, the Federal Reserve has made no indication … [Read more...]

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

Why Small Financial Changes Can Delay Your Closing

July 3, 2026 by Rilian Ball

As closing day approaches, many homebuyers assume the mortgage process is nearly complete. While that is often true, lenders may continue reviewing your financial information until the final approval is issued. Even small changes to your finances can create new questions, require additional documentation, and potentially delay your closing. Knowing what to avoid can help keep your home purchase on track. New Credit Can Create New QuestionsOpening a new credit card, financing furniture, or … [Read more...]

Filed Under: Mortgage Tips Tagged With: Closing Day, Mortgage Approval, Mortgage Tips

How a Co-Borrower Can Strengthen Your Mortgage Application

July 2, 2026 by Rilian Ball

Buying a home is an exciting milestone, but qualifying for a mortgage may feel challenging for some buyers. If your income, credit profile, or purchasing power falls short of your homeownership goals, applying with a co-borrower may help strengthen your mortgage application. While adding another borrower is not the right solution for everyone, understanding how it works can help you make an informed decision. What Is a Co-Borrower?A co-borrower is someone who applies for the mortgage with you … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Co-Borrower, Mortgage Applications, Mortgage Approval

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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

  • Should You Buy a Home Before Your Lease Ends?
  • What’s Ahead For Mortgage Rates This Week – July 6th, 2026
  • Why Small Financial Changes Can Delay Your Closing
  • How a Co-Borrower Can Strengthen Your Mortgage Application

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

Equal Housing Opportunity

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  • FHA Home Loan
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