Rilian Ball

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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

What’s Ahead For Mortgage Rates This Week – February 9th, 2026

February 9, 2026 by Rilian Ball

While Consumer Sentiment has inched up slightly, Consumer Credit tells a different story. Credit usage has continued to rise, suggesting increased financial strain on consumers amid ongoing economic pressures such as inflation. Although another rate cut is still expected, its likelihood remains uncertain under the current administration. Consumer SentimentConsumer sentiment was essentially unchanged, inching up less than one index point from last month and sitting about 20% below January 2025. … [Read more...]

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

Why a HELOC Works and When It Might Make Sense for Homeowners

February 6, 2026 by Rilian Ball

For homeowners looking to tap into the equity they have built over time, a Home Equity Line of Credit, also known as a HELOC, can be a flexible financing option. Unlike a traditional mortgage or one time loan, a HELOC gives borrowers access to a revolving line of credit that can be used as needed. Understanding how it works, along with the benefits and risks, can help homeowners decide whether it fits their financial goals. What a HELOC IsA HELOC is a type of loan that allows homeowners to … [Read more...]

Filed Under: Homeowner Tips Tagged With: HELOC Loan, Home Equity, 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

  • The Emotional Side of Getting a Mortgage No One Talks About
  • The Hidden Life Moments That Impact Your Mortgage Journey
  • What’s Ahead For Mortgage Rates This Week – February 9th, 2026
  • Why a HELOC Works and When It Might Make Sense for Homeowners

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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