Rilian Ball

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What’s Ahead For Mortgage Rates This Week – February 17th, 2026

February 17, 2026 by Rilian Ball

In an unexpected turn, the Consumer Price Index (CPI) showed that inflation came in cooler than expected for the month of January, falling to a five-year low. The jobs report showed that unemployment numbers came in worse than expected, perhaps signaling further hesitation from the Federal Reserve, despite inflation data coming in favorably. This is also in light of retail sales data showing that, when accounting for post-holiday trends, retail activity has hit a significant slump. This suggests … [Read more...]

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

How Financial Habits Today Shape Your Home Options Tomorrow

February 13, 2026 by Rilian Ball

Homeownership does not begin with a signed contract or a set of keys. It begins quietly; through the financial habits you build long before buying a home feels real. Many consumers assume the homebuying process starts when they are ready to shop, but everyday choices made months or years earlier often determine what options are available later. Consistency Builds a Strong FoundationPaying bills on time and keeping spending patterns predictable demonstrates financial responsibility. These habits … [Read more...]

Filed Under: Mortgage Tips Tagged With: Financial Habits, Homeownership Planning, Mortgage Education

The Emotional Side of Getting a Mortgage No One Talks About

February 12, 2026 by Rilian Ball

Mortgages are often discussed in numbers and paperwork, but rarely in emotions. Yet emotions play a significant role in the experience. Understanding that emotional component can help buyers feel more grounded and confident. Excitement and Anxiety Often CoexistFeeling thrilled and nervous at the same time is normal. Buying a home is a major life milestone. Acknowledging both emotions helps you make thoughtful decisions instead of reactive ones. Comparison Can Create PressureFriends, family, and … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Emotions, Homeownership Journey, Mortgage Support

The Hidden Life Moments That Impact Your Mortgage Journey

February 10, 2026 by Rilian Ball

Buying a home is rarely just about the house. It is about life happening at the same time. Career changes, family growth, health decisions, and financial habits all quietly shape your mortgage experience long before you ever tour a property. Many buyers are surprised to learn that choices made months or even years earlier can influence how smooth or stressful the process feels. Career Shifts Matter More Than You ThinkChanging jobs, becoming self-employed, or moving into commission-based income … [Read more...]

Filed Under: Homeowner Tips Tagged With: First Time Home Buyer, Home Buying Journey, Mortgage Education

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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 – February 17th, 2026
  • How Financial Habits Today Shape Your Home Options Tomorrow
  • The Emotional Side of Getting a Mortgage No One Talks About
  • The Hidden Life Moments That Impact Your Mortgage Journey

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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