Rilian Ball

First Capital Group

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Thanksgiving Day Gratitude

November 27, 2025 by Rilian Ball

Today is a day to pause and reflect on the people who make this work meaningful. We are truly thankful to every person who has allowed me to be part of their home journey. Whether we have worked together in the past, are connected right now, or will meet in the future, we appreciate the trust you place in us. Thankful for Your ConfidenceEvery conversation, every question and every step forward is a reminder of what an honor it is to support you through one of the most important decisions in … [Read more...]

Filed Under: Holidays Tagged With: Grateful For You, Home Journey, Thankful Heart

The Role of Asset Verification in Mortgage Underwriting

November 26, 2025 by Rilian Ball

When buyers apply for a mortgage, income and credit history get most of the attention. However, there is another essential part of the underwriting process that plays a major part in determining approval. Asset verification helps lenders understand the financial strength behind an application and gives them greater confidence in the borrower's ability to manage the loan responsibly. What Asset Verification MeansAsset verification is the process of reviewing the funds a borrower has available. … [Read more...]

Filed Under: Mortgage Tips Tagged With: Asset Verification, Mortgage Tips, Underwriting Process

How Non-Occupant Co-Borrowers Can Help with Mortgage Qualification

November 25, 2025 by Rilian Ball

Many hopeful homebuyers find that their income alone does not quite meet the requirements for a mortgage. This challenge is especially common for people early in their careers, those recovering from financial setbacks, or buyers facing higher home prices. One option that can make a meaningful difference is bringing in a non-occupant co-borrower. What a Non-Occupant Co-Borrower IsA non-occupant co-borrower is someone who agrees to apply for the mortgage with you but does not plan to live in the … [Read more...]

Filed Under: Mortgage Tips Tagged With: Co-Borrowers, Mortgage Tips, Qualifying For a Mortgage

What’s Ahead For Mortgage Rates This Week – November 24th, 2025

November 24, 2025 by Rilian Ball

This week finally got a strong release of regularly scheduled data, with unemployment figures coming out first, along with employment-rate data. The prior week included the Consumer Price Index, which came in favorable. Some of the unemployment-related numbers, however, weren’t as telling as they could be: the forecast was roughly 50,000, but the actual figure landed closer to 110,000. That’s an order-of-magnitude miss, suggesting we may need to allow some time for the data to … [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

  • Thanksgiving Day Gratitude
  • The Role of Asset Verification in Mortgage Underwriting
  • How Non-Occupant Co-Borrowers Can Help with Mortgage Qualification
  • What’s Ahead For Mortgage Rates This Week – November 24th, 2025

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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