Rilian Ball

First Capital Group

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Variable-Rate VS. Fixed-Rate Mortgages – Which Is Better For Your Financial Situation?

February 19, 2021 by Rilian Ball

When applying for a new home mortgage, many loan applicants initially consider applying for a 30-year fixed rate mortgage. This is perhaps the most common and traditional type of mortgage available. It allows you to enjoy the opportunity to pay for your home over the course of 30 years with equal payments every month. While this is one option, there are actually multiple choices available. For some applications, a variable rate mortgage may be more advantageous. If you are comparing the options … [Read more...]

Filed Under: Mortgage Rates Tagged With: Home Mortgage Tips, Interest Rates, Mortgages

Understanding The Key Factors That Affect Your Mortgage Interest Rate

February 18, 2021 by Rilian Ball

When you initially start shopping for a home mortgage, you may be drawn to advertisements for ultra-low interest rates. These may be rates that seem too good to be true, and you may gladly contact the lender or mortgage company to complete your loan application. However, the unfortunate truth is that all too often, mortgage applicants are unpleasantly surprised and even disheartened to learn that they do not qualify for the advertised interest rate. By learning more about the factors that … [Read more...]

Filed Under: Mortgage Rates Tagged With: Home Mortgage Tips, Interest Rates, Mortgages

How Low Can They Go: With Mortgage Interest Rates Low, Should You Refinance?

January 13, 2021 by Rilian Ball

Do you have a mortgage? You've likely seen or heard a lot about mortgage refinancing as interest rates remained low in recent months. In today's blog post we'll explore the topic of mortgage refinancing, including when you should consider refinancing and how to take advantage of low interest rates. What is Mortgage Refinancing? In simple terms, refinancing refers to the practice of taking out a new mortgage and using the proceeds to pay off your old one in its entirety. You'll go through the … [Read more...]

Filed Under: Mortgage Rates Tagged With: Interest Rates, Mortgage Refinancing, Mortgages

5 Key Factors That Affect Your Mortgage Rate

May 1, 2018 by Rilian Ball

Many first time home buyers often wonder what factors determine their mortgage rate. Is it their credit score? Is it the type of loan chosen? Is it the size of the loan? The truth is, there are many factors at play. Mortgage interest rates are not standardized across the board, so they vary from lender to lender and from borrower to borrower. Here are 5 common factors that determine or affect your mortgage interest rate: 1.    Default Risk Risk is a key consideration when … [Read more...]

Filed Under: Mortgage Rates Tagged With: Credit, Financing, Mortgage Rates

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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

  • Fixed Rate Mortgages
  • FHA Home Loan
  • VA Home Loan
  • Jumbo Home Loan
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