Rilian Ball

First Capital Group

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Mortgages for Newlyweds, Combining Finances and Buying Your First Home

September 3, 2025 by Rilian Ball

Starting your life together as a married couple is an exciting season filled with new milestones. One of the biggest decisions many newlyweds face is whether to buy a home together. While combining households and finances can feel overwhelming, taking time to understand how mortgages work and planning together can set you up for long-term success. Understanding Your Finances as a Team Before starting the home search, it is important to sit down together and look at the full picture of your … [Read more...]

Filed Under: Mortgage Tips Tagged With: First Home Together, Home Buying Tips, Newlyweds and Homeownership

Artificial Intelligence and the Future of Mortgage Decisions

August 29, 2025 by Rilian Ball

Artificial intelligence is transforming the mortgage industry. Lenders now use AI to analyze applications, assess risk, and make decisions faster than ever. This technology helps streamline underwriting, reduces human error, and allows mortgage originators to focus on providing personalized guidance. AI is not replacing professionals but enhancing their ability to serve clients efficiently and accurately. How Algorithms Assess Your Loan: AI algorithms review large amounts of data quickly. They … [Read more...]

Filed Under: Mortgage Tips Tagged With: All In Mortgages, Mortgage Originator, Smart Borrowing

How Emotions Shape Your Mortgage Decisions

August 28, 2025 by Rilian Ball

When it comes to money, emotions play a big role. Many home buyers get caught up in excitement, fear of missing out, or the desire to impress others. These feelings can influence mortgage choices, leading to decisions that might not align with long-term financial goals. Recognizing emotional triggers is the first step to making smarter choices. The Impact of Excitement on Homebuying: Falling in love with a property can make buyers overlook important details. A high-interest rate or a larger … [Read more...]

Filed Under: Mortgage Tips Tagged With: Build Wealth, Financial Planning, Home Buying Tips

Mortgages for Remote Workers Who Want Dual Residences

August 26, 2025 by Rilian Ball

Remote work has transformed the way people live and plan their financial futures. Instead of being tied to one city, many professionals now choose to split their time between two homes. Some want the excitement of an urban condo while keeping a peaceful retreat in the mountains or at the beach. Others need to balance family life in one state with work opportunities in another. As this trend grows, understanding mortgage options for dual residences has become essential. Primary Residence vs. … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgages, Real Estate, Remote Work

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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

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

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