Rilian Ball

First Capital Group

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Can I Finance Home Renovations Into My Mortgage at Closing?

April 25, 2025 by Rilian Ball

Purchasing a home that needs renovations or upgrading your current home can be costly, but financing home improvements through your mortgage can be an effective solution. Instead of taking out a separate loan for renovations, some mortgage programs allow you to roll the cost of home improvements into your home loan at closing. This strategy can help you spread renovation costs over time while securing a potentially lower interest rate compared to personal loans or credit cards. How Financing … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Home Buying, Home Renovation, Mortgage Tips

How Debt-to-Income Ratio Affects Your Mortgage Eligibility

March 18, 2025 by Rilian Ball

When applying for a mortgage, lenders evaluate several factors to determine your loan eligibility. One of the most critical metrics is your Debt-to-Income Ratio (DTI). Understanding how DTI impacts mortgage approval can help you better prepare for homeownership and improve your chances of securing the loan you need. What is Debt-to-Income Ratio (DTI)? DTI measures the percentage of your gross monthly income that goes toward monthly debt obligations. Lenders use this ratio to assess your ability … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Debt To Income Ratio, Home Buying Tips, Mortgage Approval

How Obtaining a Mortgage Can Impact Your Credit Score

February 13, 2025 by Rilian Ball

When considering homeownership, many potential buyers wonder: Will getting a mortgage help my credit score? The answer is yes—if managed correctly. A mortgage is a major financial commitment, but it can also be a powerful tool for building and maintaining strong credit. Here’s how a mortgage can affect your credit score and what you should keep in mind. Building Credit with On-Time Payments One of the most significant factors influencing your credit score is payment history. Mortgage … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Credit Score, Home Buying Tips, Mortgage Tips

Is It Time to Stop Paying Rent and Start Building Equity?

January 23, 2025 by Rilian Ball

Have you ever calculated how much rent you’ve paid over the years? It’s a staggering number. According to studies, the average American spends between $133,000 and $155,000 on rent in just six to seven years. Let’s break that down and explore what it means for your financial future—and how you might be able to change that narrative. What Does This Number Represent? These figures aren’t just numbers; they’re the cost of temporary housing over time. Rent … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Build Equity, Home Buying Tips, Stop Renting

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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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