Rilian Ball

First Capital Group

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Financing Mixed Use Properties: Live, Work, and Invest in One Place

September 23, 2025 by Rilian Ball

Mixed use properties are becoming an attractive option for buyers who want to combine residential, commercial, and investment opportunities all in one place. These properties can provide unique benefits, such as generating rental income while also serving as a primary residence. However, financing a mixed-use property requires a different approach than financing a traditional single-family home, and understanding the process is key to making the right decision. Understanding Mixed Use … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mixed Use Properties, Mortgage Tips, Real Estate Investing

What’s Ahead For Mortgage Rates This Week – September 22nd, 2025

September 22, 2025 by Rilian Ball

It has been a relatively light week following the recent rate changes, as the Federal Reserve has felt the need to drop the current rate by 25 basis points. They have also mentioned the possibility of two additional rate cuts within this year. This follows the recent sharp criticism from the current administration, which condemned the Federal Reserve’s insistence on maintaining existing interest rates. This development coincides with the Leading Economic Indicators, which have shown that … [Read more...]

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

Myths About Mortgages That Still Fool Homebuyers

September 19, 2025 by Rilian Ball

Buying a home is one of the biggest financial decisions most people will ever make, and the mortgage process can feel overwhelming. With so much information available, it is easy for myths to spread, and many homebuyers still believe ideas that are simply not true. Clearing up these misconceptions can make the path to homeownership less stressful and much more successful. Myth One: You Need Perfect Credit A common belief is that only people with flawless credit can qualify for a mortgage. While … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Journey, Mortgage Myths, Mortgage Tips

Deciding Whether to Pay Extra Toward Principal or Save for Other Investments

September 18, 2025 by Rilian Ball

When it comes to managing your mortgage, one of the most common questions is whether to put extra money toward paying down the loan principal or to save that money for other investments. Both choices have advantages, and the right decision often depends on your goals, financial situation, and comfort with risk. The Case for Paying Extra Toward Principal Making additional payments directly to your mortgage principal reduces the amount of interest you pay over the life of the loan. Even small … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage Education, Mortgage Tips, Wealth Building

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Rilian Ball


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NMLS # 202687

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

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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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Loan Options

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  • FHA Home Loan
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