Rilian Ball

First Capital Group

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From Divorce to Fresh Starts, the Mortgage Paths No One Talks About

August 6, 2025 by Rilian Ball

When people think about getting a mortgage, the story usually sounds the same, young couple, starter home, perfect timing. But real life does not always follow that script. The truth is, many people come to the mortgage process in the middle of a major life change. Divorce, job loss, rebuilding credit, or starting over later in life, these chapters are real, and so are the mortgage paths that come with them. If this is where you find yourself, you are not alone, and you are not without options. … [Read more...]

Filed Under: Mortgage Tips Tagged With: Life After Divorce, Mortgage Fresh Start, Real Life Home Loans

Why Getting Pre-Approved Feels So Intimidating, and Why It Shouldn’t

August 5, 2025 by Rilian Ball

For many people, the idea of getting pre-approved for a mortgage feels overwhelming. You are asked to hand over personal financial information, trust a stranger with your credit report, and answer questions you may not feel ready to face. It is no wonder some buyers delay this step, even when they are serious about purchasing a home. But here is the truth, getting pre-approved is not something to fear. It is one of the most empowering steps you can take as a buyer. The Emotional Roadblock Let us … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Confidence, Mortgage Pre Approval, Real Estate Journey

The Effect of Local Job Markets on Mortgage Lending

July 25, 2025 by Rilian Ball

When evaluating the housing market, many people focus on home prices and interest rates. However, one critical factor that often goes unnoticed is the strength of the local job market. Employment trends directly affect mortgage lending by influencing both buyer demand and lender confidence. Why Local Employment MattersA stable job market means more people have consistent incomes, making them more likely to qualify for home loans. Lenders assess local employment data when determining mortgage … [Read more...]

Filed Under: Mortgage Tips Tagged With: Job Market Impact, Local Economy, Mortgage Lending

How to Determine Your Ideal Monthly Mortgage Payment

July 24, 2025 by Rilian Ball

Buying a home is one of the most exciting financial decisions you will ever make, but understanding what you can comfortably afford each month is essential for long-term success. Your ideal monthly mortgage payment should not just fit within your budget today, but also allow for financial flexibility and security in the future. Start With Your Total Monthly IncomeBegin by calculating your total monthly household income before taxes. This provides a clear foundation for your homebuying budget. … [Read more...]

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

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Rilian Ball


Branch Manager

NMLS # 202687

Call: (559) 697-5322
info@firstcg.com

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Recent Articles

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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

Equal Housing Opportunity

Loan Options

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  • FHA Home Loan
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  • Jumbo Home Loan
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