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Reflecting on the Meaning of Independence Day

July 4, 2025 by Rilian Ball

As Americans prepare to celebrate the Fourth of July, it is important to reflect on the core values that define our nation: freedom, opportunity, and the pursuit of a better life. These same ideals continue to inspire individuals and families across the country to pursue homeownership, which remains a foundational part of financial independence and long-term security. A Historic Commitment to Liberty and OpportunityIndependence Day commemorates the signing of the Declaration of Independence in … [Read more...]

Filed Under: Mortgage Tagged With: American Dream, Financial Freedom, Independence Day

Understanding the Basics of Mortgage Securitization

July 3, 2025 by Rilian Ball

What Is Mortgage Securitization?Mortgage securitization is the financial process of pooling together multiple mortgage loans and converting them into tradable investment securities. These securities are then sold to investors in the secondary market. This process provides liquidity to lenders, enabling them to issue more loans and support continued access to home financing. How the Process WorksThe process typically begins with a lender originating mortgage loans. These loans are then sold to a … [Read more...]

Filed Under: Mortgage Tagged With: Home Loan Basics, Mortgage Market, Mortgage Securitization

Understanding the Federal Housing Administration Title I Home Improvement Loan Program

July 2, 2025 by Rilian Ball

Introduction to the ProgramThe Federal Housing Administration Title I Home Improvement Loan Program is a government-backed initiative designed to help homeowners finance necessary repairs, upgrades, and improvements to their primary residence. Established under the National Housing Act, this program makes funding accessible for individuals who may not qualify for traditional home equity loans due to limited equity or lower credit scores. Purpose and Scope of the LoanThis loan program was created … [Read more...]

Filed Under: Mortgage Tagged With: Home Improvement Loan, Mortgage Education, Title I Program

The Impact of Gender and Race on Mortgage Approval Rates

July 1, 2025 by Rilian Ball

Addressing Inequity in LendingThe mortgage approval process is a critical step in the path to homeownership. While lending guidelines are designed to promote fair and consistent evaluation, studies have shown that disparities persist based on gender and race. These differences raise important concerns about equal access to credit and the long-term effects on wealth building, community development, and financial equity in the United States. Understanding the Approval ProcessMortgage approval … [Read more...]

Filed Under: Mortgage Tagged With: Fair Lending, Homeownership Access, Mortgage Equity

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Rilian Ball


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NMLS # 202687

Call: (559) 697-5322
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Recent Articles

  • Reflecting on the Meaning of Independence Day
  • Understanding the Basics of Mortgage Securitization
  • Understanding the Federal Housing Administration Title I Home Improvement Loan Program
  • The Impact of Gender and Race on Mortgage Approval Rates

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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