Rilian Ball

First Capital Group

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Millennials Are Finding Home Buying Overwhelming

June 13, 2023 by Rilian Ball

Many millennials find home buying overwhelming due to a variety of factors such as high housing prices, student loan debt, competition from investors, economic uncertainty, and a lack of knowledge about the home-buying process. These challenges can make it difficult for millennials to save enough money for a down payment, find a suitable property, and navigate the complex process of buying a home. It is important to note that not all millennials may face these challenges, and there are also many … [Read more...]

Filed Under: Mortgage Tagged With: Millennials, New Home, Real Estate

Will Pre-Approval for a Mortgage Hurt My Credit Score?

June 9, 2023 by Rilian Ball

Obtaining a pre-approval for a mortgage is an important step when you're planning to buy a home. It gives you an idea of how much you can afford, helps streamline the home-buying process, and strengthens your position as a serious buyer. However, many people worry that the pre-approval process might negatively impact their credit score. In this blog post, we'll dive into the details to determine whether or not a pre-approval for a mortgage will hurt your credit. Understanding Credit Inquiries To … [Read more...]

Filed Under: Mortgage Tagged With: Credit Score, Mortgage, Pre-Approval

Will Pre-Approval for a Mortgage Hurt My Credit Score?

June 9, 2023 by Rilian Ball

Obtaining a pre-approval for a mortgage is an important step when you're planning to buy a home. It gives you an idea of how much you can afford, helps streamline the home-buying process, and strengthens your position as a serious buyer. However, many people worry that the pre-approval process might negatively impact their credit score. In this blog post, we'll dive into the details to determine whether or not a pre-approval for a mortgage will hurt your credit. Understanding Credit … [Read more...]

Filed Under: Mortgage Tagged With: Credit Score, Mortgage, Pre-Approval

What You Need To Know About Your Home Appraisal And Your Mortgage

June 7, 2023 by Rilian Ball

When buying a home, there are certain steps a buyer should go through before the home sale is official. First the buyer makes the offer, then the offer is accepted. Next the buyer schedules the inspection and home appraisal. Finally, everyone is ready for closing. It’s easy to overlook the impact of some of these steps, but when it comes to a mortgage, the home appraisal is actually quite important. Banks want to see that they are lending money for an investment that is worthwhile, so that … [Read more...]

Filed Under: Mortgage Tagged With: Appraisal, Mortgage, Value

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Rilian Ball


Branch Manager

NMLS # 202687

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

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Recent Articles

  • Explaining Mortgage Options for Self-Employed Borrowers with Irregular Income
  • The Impact of Rental Income on Mortgage Qualification
  • The Impact of Homeowners Associations (HOAs) on Mortgage Approval
  • The Benefits of Online Mortgage Calculators for Borrowers

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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