Rilian Ball

First Capital Group

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What’s Ahead For Mortgage Rates This Week – July 28th, 2025

July 28, 2025 by Rilian Ball

Very little was released this week due to the major inflation data releases from the previous week. The Leading Economic Index was the most significant—and only—impactful release this week, showing a further decline in overall sentiment about the current economic situation. The majority of the decline was largely driven by expectations for business conditions. The decline was faster than expected, enough to warrant continued monitoring of the Leading Economic Index going forward. … [Read more...]

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

The Effect of Local Job Markets on Mortgage Lending

July 25, 2025 by Rilian Ball

When evaluating the housing market, many people focus on home prices and interest rates. However, one critical factor that often goes unnoticed is the strength of the local job market. Employment trends directly affect mortgage lending by influencing both buyer demand and lender confidence. Why Local Employment MattersA stable job market means more people have consistent incomes, making them more likely to qualify for home loans. Lenders assess local employment data when determining mortgage … [Read more...]

Filed Under: Mortgage Tips Tagged With: Job Market Impact, Local Economy, Mortgage Lending

How to Determine Your Ideal Monthly Mortgage Payment

July 24, 2025 by Rilian Ball

Buying a home is one of the most exciting financial decisions you will ever make, but understanding what you can comfortably afford each month is essential for long-term success. Your ideal monthly mortgage payment should not just fit within your budget today, but also allow for financial flexibility and security in the future. Start With Your Total Monthly IncomeBegin by calculating your total monthly household income before taxes. This provides a clear foundation for your homebuying budget. … [Read more...]

Filed Under: Mortgage Tips Tagged With: Financial Planning, Home Buying Tips, Mortgage Budget

The Benefits of Mortgage Rate Buydowns

July 23, 2025 by Rilian Ball

When purchasing a home, every detail matters, especially your interest rate. One strategy that many buyers overlook is the mortgage rate buydown. A buydown allows you to lower your interest rate for the first few years of your loan, or even permanently, by paying upfront fees at closing. This option can significantly reduce your monthly payments, offering financial relief when you need it most. Types of Mortgage Rate BuydownsThere are two common types of buydowns. A temporary buydown, such as a … [Read more...]

Filed Under: Mortgage Rates Tagged With: Lower Payments, Mortgage Rate Buydown, Mortgage Tips

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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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