Rilian Ball

First Capital Group

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Is Owner Financing Your Home the Smartest Move?

May 28, 2025 by Rilian Ball

Deciding to sell your home can feel overwhelming, especially when you want to maximize profit and close quickly. One strategy gaining popularity is owner financing (also known as seller financing). But is it right for you? Let's discuss how it works, when to consider it, and the key factors every seller should weigh. Why Buyers Ask for Owner Financing Most buyers secure a mortgage through a bank or credit union. When a prospective purchaser requests you to carry their loan, ask yourself: Credit … [Read more...]

Filed Under: Home Selling Tips Tagged With: Owner Financing, Real Estate Advice, Seller Financing

What’s Ahead For Mortgage Rates This Week – May 27th, 2025

May 27, 2025 by Rilian Ball

Despite the recent pause on tariffs for Europe and progressing talks with China, the economic outlook remains largely negative across all sectors and markets. Although this week was relatively light on economic reports, the most notable was the Leading Economic Indicators, which showed a significant decline in every measurable category for April. This decline is largely attributed to the tariff policies implemented recently. Overall, the outlook remains pessimistic, despite other markets showing … [Read more...]

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

Honoring Our Heroes and Celebrating the Meaning of Home

May 26, 2025 by Rilian Ball

This Memorial Day, we pause to remember the brave men and women who gave their lives in service to our country. Their courage, sacrifice, and commitment to freedom have made it possible for all of us to pursue our dreams, including the dream of home ownership.What Home Truly MeansHome is more than four walls and a roof, more than a place to lay your head at night, it is where memories are made, milestones are reached, and futures are built. It is the front porch where your friends and neighbors … [Read more...]

Filed Under: Holidays Tagged With: Honor and Remember, Memorial Day, Thank You For Your Service

How Much Down Payment Do You Need for a Mortgage When Buying a Home?

May 23, 2025 by Rilian Ball

If you're considering buying a home, you're likely wondering how much you’ll need for a down payment. The common belief is that you need to put down 20% of the home’s purchase price, but that’s not the only option and in many cases, it’s not even necessary. Let’s break down what’s really required and explore your choices. The Traditional 20% RuleTraditionally, lenders prefer a 20% down payment. Why? Because it lowers their risk. If you’re purchasing a … [Read more...]

Filed Under: Mortgage Tips Tagged With: Down Payment Help, Home Buying Journey, Mortgage Tips

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Rilian Ball


Branch Manager

NMLS # 202687

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

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Recent Articles

  • Is Owner Financing Your Home the Smartest Move?
  • What’s Ahead For Mortgage Rates This Week – May 27th, 2025
  • Honoring Our Heroes and Celebrating the Meaning of Home
  • How Much Down Payment Do You Need for a Mortgage When Buying a Home?

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

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