Rilian Ball

First Capital Group

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Why a Mortgage Lender May Question a Property With More Than One Parcel

October 15, 2026 by Rilian Ball

Imagine finding a beautiful home that comes with an extra piece of land next door. Perhaps the additional lot provides more privacy, a larger backyard, or room for future improvements. While this may sound like an attractive bonus, purchasing a home that includes multiple parcels can introduce mortgage questions that buyers might not expect. What Does It Mean to Have Multiple Parcels?A parcel is a legally identified piece of land, typically assigned its own property identification number by the … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgage Education, Mortgage Tips, Property Parcels

What Happens When the Seller Has Not Paid Off a Home Improvement Loan?

October 14, 2026 by Rilian Ball

A newly installed roof, upgraded windows, or modern heating system can make a home more attractive to buyers. However, what happens when the seller is still making payments on those improvements? Depending on how the work was financed, an outstanding home improvement loan could affect the sale, the title review, and even the buyer's mortgage closing. Not All Home Improvement Loans Work the Same WayHomeowners finance improvements through several methods, including personal loans, home equity … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Improvement Loan, Mortgage Education, Mortgage Tips

Why a Home With a Shared Septic System Can Complicate Mortgage Financing

October 13, 2026 by Rilian Ball

A home can look perfect during a showing, but certain features of the property may create questions when it comes time to secure a mortgage. One situation buyers may not anticipate is purchasing a home that shares a septic system with another property.While shared systems can function effectively, they may require additional documentation and review before financing can move forward. Understanding How a Shared Septic System WorksMost buyers are familiar with homes that connect to a public sewer … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buyer Tips, Mortgage Financing, Septic Systems

What’s Ahead For Mortgage Rates This Week – October 12th, 2026

October 12, 2026 by Rilian Ball

The FOMC Minutes and Consumer Sentiment report were the most impactful calendar items last week, further reinforcing the Federal Reserve's resolve to bring inflation down to its 2% target rate. While there is considerable speculation about another rate increase, recent analyst expectations suggest that the Fed will hold rates at their current level for some time. The Consumer Sentiment report showed a slight increase, largely driven by moderating gas prices, which have helped provide consumers … [Read more...]

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

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Rilian Ball


Branch Manager

NMLS # 202687

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

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Recent Articles

  • Why a Mortgage Lender May Question a Property With More Than One Parcel
  • What Happens When the Seller Has Not Paid Off a Home Improvement Loan?
  • Why a Home With a Shared Septic System Can Complicate Mortgage Financing
  • What’s Ahead For Mortgage Rates This Week – October 12th, 2026

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

Equal Housing Opportunity

Loan Options

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  • FHA Home Loan
  • VA Home Loan
  • Jumbo Home Loan
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