Rilian Ball

First Capital Group

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The Emotional Side of Getting a Mortgage No One Talks About

February 12, 2026 by Rilian Ball

Mortgages are often discussed in numbers and paperwork, but rarely in emotions. Yet emotions play a significant role in the experience. Understanding that emotional component can help buyers feel more grounded and confident. Excitement and Anxiety Often CoexistFeeling thrilled and nervous at the same time is normal. Buying a home is a major life milestone. Acknowledging both emotions helps you make thoughtful decisions instead of reactive ones. Comparison Can Create PressureFriends, family, and … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Emotions, Homeownership Journey, Mortgage Support

Mortgage Tips for Recent Graduates Entering the Workforce

January 28, 2026 by Rilian Ball

Starting your career is an exciting milestone, and for many recent graduates, the idea of becoming a homeowner feels closer than ever. While student loans, new job transitions, and building credit can make the mortgage process feel overwhelming, you have more options and advantages than you may realize. With the right preparation, you can move toward homeownership confidently and avoid common first-time buyer mistakes. Understand How Your New Income Plays a RoleLenders want to see stable and … [Read more...]

Filed Under: Mortgage Tips Tagged With: First Time Home Buyer, Mortgage Tips, Recent Graduates

What to Know About Fractional Homeownership and Mortgages

January 8, 2026 by Rilian Ball

Fractional homeownership is becoming more popular as buyers look for creative ways to enjoy a second home or vacation property without taking on the full cost. Instead of owning one home entirely, you purchase a fraction of the property and share ownership with several other people. While the idea sounds simple, fractional ownership comes with unique rules, financing challenges, and long-term commitments that every buyer should understand before moving forward. Understand How Fractional … [Read more...]

Filed Under: Mortgage Tips Tagged With: Fractional Ownership, Mortgage Tips, Vacation Homes

Mortgages for Parents With Young Kids and What to Consider

January 7, 2026 by Rilian Ball

Buying a home when you have young kids brings unique challenges, but it also creates opportunities to build stability for your family. Your priorities might look different from other homebuyers, and your financial decisions may need to reflect the needs of a growing household. By planning ahead and understanding what matters most, you can choose a mortgage that supports your budget, your lifestyle, and your long-term goals as a parent. Consider How Your Monthly Budget Will ChangeRaising young … [Read more...]

Filed Under: Mortgage Tips Tagged With: Family Finances, Home Buyers, 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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Recent Articles

  • The Emotional Side of Getting a Mortgage No One Talks About
  • The Hidden Life Moments That Impact Your Mortgage Journey
  • What’s Ahead For Mortgage Rates This Week – February 9th, 2026
  • Why a HELOC Works and When It Might Make Sense for Homeowners

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

Equal Housing Opportunity

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