Rilian Ball

First Capital Group

  • Home
  • About
  • Main Website
  • Get a Quote
  • Apply
  • Contact
Block
Committed to providing financial solutions for homeownership
LET'S TALK
rate quote
Get a Rate Quote
Want a quick quote? Fill out this form
Loan Checklist
Loan Checklist
Make sure you have all you need!
Questions?
Have questions?
Ask us today!
Apply Now
Apply Now
Ready to get started? Click here!

How to Pay Off Your Mortgage 10 Years Early Without Extra Payments

June 4, 2025 by Rilian Ball

If you're like most homeowners, the idea of paying off your mortgage early sounds amazing—more freedom, fewer monthly expenses, and peace of mind. But what if you could shave 10 years off your mortgage without making extra payments each month? Sounds too good to be true? It’s not! There are smart strategies that don’t require more money out of pocket, just a little planning and a fresh approach. As a mortgage originator, I have helped many clients explore options that save them … [Read more...]

Filed Under: Mortgage Tagged With: Early Payoff, Home Ownership Goals, Mortgage Tips

Will Multiple Mortgage Applications Hurt Your Credit Score?

June 3, 2025 by Rilian Ball

When you are ready to buy a home, it is natural to shop around for the best mortgage rate and terms. But you may have heard that submitting multiple loan applications can damage your credit score and throw a wrench in your homebuying plans. Here is the truth behind hard inquiries, rate shopping, and how to protect your credit while securing the best deal. Understanding Hard Inquiries vs. Soft InquiriesWhenever a lender runs your credit, whether for a credit card, auto loan, or mortgage, they … [Read more...]

Filed Under: Mortgage Tagged With: Credit Score, Home Buying, Mortgage Tips

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

June 2, 2025 by Rilian Ball

The PCE Index release—the Federal Reserve’s preferred inflation indicator—has shown favorable results. However, the overwhelming sentiment remains one of uncertainty due to the ongoing trade wars. With these conflicts still in full swing, inflation is expected to rise in the near future at a faster-than-anticipated pace. Following the recent trade truce with China, consumer sentiment has improved, though the long-term impact remains uncertain. As expected, consumer spending has … [Read more...]

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

What Every Homebuyer Should Know About How Are Property Taxes Calculated

May 30, 2025 by Rilian Ball

When buying a home, it’s easy to focus on the down payment and mortgage rate, but don’t overlook property taxes. They can significantly affect your monthly payment and long-term budget and understanding how they’re calculated is key to making smart homebuying decisions. We will break down the basics and highlight a few often-missed factors that could influence how much you’ll pay. The Property Tax FormulaProperty taxes are calculated based on the assessed value of your … [Read more...]

Filed Under: Home Buying Tips Tagged With: Budget Wisely, Mortgage Education, Property Taxes Explained

  • 1
  • 2
  • 3
  • …
  • 588
  • Next Page »

Rilian BallFirst Capital Logo

Rilian Ball


Branch Manager

NMLS # 202687

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

Browse Articles by Category

Get in Touch!

  • This field is for validation purposes and should be left unchanged.

Search this website

Recent Articles

  • How to Pay Off Your Mortgage 10 Years Early Without Extra Payments
  • Will Multiple Mortgage Applications Hurt Your Credit Score?
  • What’s Ahead For Mortgage Rates This Week – June 2nd, 2025
  • What Every Homebuyer Should Know About How Are Property Taxes Calculated

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

Copyright © 2025 · Powered by MySMARTblog

Copyright © 2025 · Genesis Sample Theme on Genesis Framework · WordPress · Log in