Rilian Ball

First Capital Group

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Your Mortgage Timeline, Backward

August 7, 2025 by Rilian Ball

For many homebuyers, the mortgage process feels like a maze. You know you want to own a home, but the path to get there can feel confusing. So let us try something different. Instead of walking forward through the process, let us walk backward, starting from the moment you get the keys and working our way to where you are now. Seeing it in reverse can help demystify the journey and show you how each step builds on the last. Closing Day: You Get the Keys This is the moment you have been waiting … [Read more...]

Filed Under: Mortgage Tips Tagged With: Closing Day Countdown, Home Loan Steps, Mortgage Timeline

From Divorce to Fresh Starts, the Mortgage Paths No One Talks About

August 6, 2025 by Rilian Ball

When people think about getting a mortgage, the story usually sounds the same, young couple, starter home, perfect timing. But real life does not always follow that script. The truth is, many people come to the mortgage process in the middle of a major life change. Divorce, job loss, rebuilding credit, or starting over later in life, these chapters are real, and so are the mortgage paths that come with them. If this is where you find yourself, you are not alone, and you are not without options. … [Read more...]

Filed Under: Mortgage Tips Tagged With: Life After Divorce, Mortgage Fresh Start, Real Life Home Loans

Why Getting Pre-Approved Feels So Intimidating, and Why It Shouldn’t

August 5, 2025 by Rilian Ball

For many people, the idea of getting pre-approved for a mortgage feels overwhelming. You are asked to hand over personal financial information, trust a stranger with your credit report, and answer questions you may not feel ready to face. It is no wonder some buyers delay this step, even when they are serious about purchasing a home. But here is the truth, getting pre-approved is not something to fear. It is one of the most empowering steps you can take as a buyer. The Emotional Roadblock Let us … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Confidence, Mortgage Pre Approval, Real Estate Journey

What’s Ahead For Mortgage Rates This Week – August 4th, 2025

August 4, 2025 by Rilian Ball

There were several notable releases this last week, with the largest being the PCE Index — the Federal Reserve’s preferred inflation indicator. The PCE Index may be the more accurate indicator going forward, as data collection for the Consumer Price Index has been recently cut, thereby reducing its reliability. As expected, the inflation numbers have been steadily rising with the PCE Index, indicating that impacts from the tariffs are now filtering into prices for both producers and … [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

  • Your Mortgage Timeline, Backward
  • From Divorce to Fresh Starts, the Mortgage Paths No One Talks About
  • Why Getting Pre-Approved Feels So Intimidating, and Why It Shouldn’t
  • What’s Ahead For Mortgage Rates This Week – August 4th, 2025

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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