Rilian Ball

First Capital Group

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Pet-Friendly Mortgages And How Owning Pets Could Affect Your Loan Choices

May 21, 2025 by Rilian Ball

We love our pets, they are part of the family. But did you know that your furry (or feathered) friend could play a surprising role in your homebuying journey? While your dog probably will not impact your credit score, being a pet owner can influence where and how you buy a home, and even the type of loan you choose.As a mortgage originator, I have worked with many clients who did not realize their pets could affect everything from HOA rules to homeowners’ insurance policies. Here is what … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Tips, Mortgage Advice, Pet Friendly Living

What Your Coffee Habit Can Teach You About Paying Off Your Mortgage Faster

May 20, 2025 by Rilian Ball

As your mortgage advisor, I am not here to tell you to give up your favorite coffee, but I am here to show you how something as simple as your daily coffee run can reveal some powerful lessons about how to pay off your mortgage faster. The Cost of Coffee and the Opportunity It HidesLet’s say you spend $5 a day on coffee, five days a week. That is $25 a week, about $100 a month, and $1,200 a year. Over 10 years? That adds up to $12,000.Now imagine if you took just a portion of that and … [Read more...]

Filed Under: Mortgage Tips Tagged With: Coffee And Homeownership, Financial Freedom, Mortgage Tips

What’s Ahead For Mortgage Rates This Week – May 19th, 2025

May 19, 2025 by Rilian Ball

The latest inflation data has been released, offering insight into the near-term impact of the recent tariff measures. The results indicate that despite deflationary pressure on the economy, inflation continues to trend upward with the recent, ongoing tariff wars. While the tariffs have been temporarily suspended, their effects are already being felt—consumers are experiencing price increases, and retailers have already been positioning themselves to increase prices due to the impacts of … [Read more...]

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

Eco-Friendly Mortgages To Finance Green Homes

May 16, 2025 by Rilian Ball

As more homeowners seek sustainable living options, eco-friendly mortgages have become a valuable tool for financing energy-efficient homes. These specialized loans offer financial incentives to buyers and homeowners who invest in environmentally friendly properties or upgrades. Understanding how these mortgages work can help you determine if they align with your homeownership and sustainability goals. What Are Eco-Friendly Mortgages?Eco-friendly mortgages, also known as green mortgages, are … [Read more...]

Filed Under: Mortgage Tips Tagged With: Eco-Friendly Living, Green Mortgages, Sustainable Homes

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Rilian Ball


Branch Manager

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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