Rilian Ball

First Capital Group

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What Percentage of Your Income Should Go Toward a Mortgage?

April 29, 2025 by Rilian Ball

When buying a home, one of the most critical financial decisions is determining how much of your income should go toward your mortgage. Striking the right balance ensures that you can comfortably afford your home without stretching your budget too thin. Lenders use various guidelines to help buyers determine affordability, but personal financial goals and lifestyle should also factor into the decision.General Mortgage Affordability GuidelinesA common rule of thumb is the 28/36 rule, which … [Read more...]

Filed Under: Mortgage Tips Tagged With: DTI, Mortgage Payments, Mortgages

How Child Support and Alimony Payments Affect Mortgage Qualification

April 23, 2025 by Rilian Ball

When applying for a mortgage, lenders carefully assess your income and debt to determine your ability to repay the loan. If you receive or pay child support or alimony, these payments can significantly impact your mortgage qualification. Understanding how they factor into your debt-to-income (DTI) ratio, income calculation, and overall loan approval process can help you better prepare for home financing. How Lenders View Child Support and Alimony Lenders evaluate child support and alimony … [Read more...]

Filed Under: Mortgage Tips Tagged With: Child Support, Financial Planning, Mortgage Tips

The Top 3 Home Loan Programs First-Time Buyers Should Consider

April 11, 2025 by Rilian Ball

Buying your first home is an exciting milestone, but navigating the mortgage process can feel overwhelming. With so many loan options available, it is important to choose one that best suits your financial situation and long-term goals. Here are three of the most popular home loan programs that first-time buyers should consider. 1. FHA Loan: Ideal for Buyers with Lower Credit Scores and Small Down Payments The Federal Housing Administration (FHA) loan is a popular choice for first-time buyers … [Read more...]

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

Why Your Mortgage Rate Isn’t the Same as the One Advertised Online

April 10, 2025 by Rilian Ball

Shopping for a mortgage can be exciting, but it can also be confusing when you see a low advertised rate online, only to be quoted a different rate when you apply. While this can be frustrating, there are several reasons why your actual mortgage rate may differ from what you initially expected. The good news is that understanding these factors can help you make informed decisions and secure the best possible rate for your financial situation. Personal Financial Profile Matters Advertised … [Read more...]

Filed Under: Mortgage Tips Tagged With: Finacial Success, Interest Rates, Mortgage Tips

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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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