Rilian Ball

First Capital Group

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How Are Mortgage Rates Determined?

December 3, 2019 by Rilian Ball

When someone is interested in buying a home, there are a number of factors that people need to consider. Some of these include the budget, the size of the home, and the mortgage interest rates.  The mortgage rate is going to play a tremendous role in whether or not someone is going to be able to afford their dream home. For this reason, it is critical for everyone to know how a mortgage rate is determined. There are a number of factors in someone's financial history that are going to impact … [Read more...]

Filed Under: Mortgage Tagged With: Market Conditions, Mortgage, Mortgage Rates

How Much Of A Down Payment Should I Make On My Home?

November 29, 2019 by Rilian Ball

There are a lot of steps that people need to take when buying a home. One of the most common issues that people discuss is the down payment. Most banks will require a down payment so that they aren't the only ones taking on the risk of buying a home. The common question people have is how much of a down payment they should apply. The Rule Of Thumb Most people have heard about placing 20 percent down on a house as a solid rule of thumb. This number has been passed down from prior generations who … [Read more...]

Filed Under: Mortgage Tagged With: Down Payment, Mortgage, PMI

3 Crucial Questions To Ask Before You Co-Sign A Mortgage

November 27, 2019 by Rilian Ball

A mortgage is a significant responsibility. For this reason, many people have someone co-sign with them on their mortgage. Before agreeing to co-sign on any mortgage, it is important to ask the right questions. There are several crucial questions that everyone should ask before they co-sign on someone else's mortgage. What Does It Mean To Co-Sign On A Mortgage? Before signing that piece of paper, it is important to understand the responsibilities involved. Co-signing on a mortgage is a little … [Read more...]

Filed Under: Mortgage Tagged With: Co-Sign, Financing Options, Mortgage

3 Signs You’re Not Ready To Buy A Home

November 26, 2019 by Rilian Ball

Those who are looking at buying a home need to think about whether or not they are truly ready for this responsibility. When someone takes out a mortgage, this is frequently the largest loan someone will ever apply for in their life. Furthermore, owning a home also means homeowners insurance, real estate taxes, home maintenance, and home repairs. There are a few signs that signal someone is not ready to buy a home. Identifying and rectifying these situations ahead of time will ensure that … [Read more...]

Filed Under: Mortgage Tagged With: Debt Management, Mortgage, Savings

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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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