Rilian Ball

First Capital Group

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The Impact of Rental Income on Mortgage Qualification

May 8, 2025 by Rilian Ball

For real estate investors and homeowners looking to purchase additional properties, rental income can play a crucial role in mortgage qualification. Lenders often consider this income when assessing a borrower’s ability to repay a loan, but the way it is calculated and applied varies based on different loan programs and underwriting guidelines. Understanding how rental income factors into mortgage approval can help buyers maximize their borrowing potential and secure favorable financing … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage Applications, Mortgage Qualification, Rental Income

What Every Buyer Should Know About Home Appraisals

April 18, 2025 by Rilian Ball

Buying a home is an exciting yet complex process, and one critical step often catches buyers off guard—the home appraisal. This professional evaluation determines the fair market value of a property, ensuring that both you and your lender are making a sound investment. Understanding how appraisals work can help you navigate this stage with confidence and avoid potential roadblocks. What Is a Home Appraisal? A home appraisal is an unbiased, professional assessment of a property's value, … [Read more...]

Filed Under: Mortgage Tagged With: Home Buying, Mortgage101, Real Estate Tips

Why Did My Mortgage Lender Change?

April 17, 2025 by Rilian Ball

Buying a home is one of the most significant financial steps you’ll ever take. After securing a mortgage, you expect to send your payments to the same lender for years to come. So, when you receive a notice saying your mortgage has been sold and your payments should now go to a different company, it might feel alarming. However, this is a common practice in the mortgage industry, and it doesn’t change the terms of your loan. Understanding why mortgages are sold can help ease any … [Read more...]

Filed Under: Mortgage Tagged With: Home Buying, Home Loans, Mortgage Tips

Challenges and Solutions for Mortgages in Remote Areas

April 1, 2025 by Rilian Ball

Buying a home in a remote area can be a dream come true—peaceful surroundings, open spaces, and a slower pace of life. However, securing a mortgage for these properties comes with unique challenges. As a mortgage originator, I’m here to break down the hurdles and offer solutions so you can make your rural homeownership dreams a reality.Challenges of Securing a Mortgage in Remote Areas Limited Lender Availability Many traditional lenders hesitate to finance rural properties due to … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage Loans, Mortgage Tips, Remote Areas

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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

Equal Housing Opportunity

Loan Options

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