Rilian Ball

First Capital Group

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Understanding Mortgage Payment Deferral Programs

March 20, 2025 by Rilian Ball

For homeowners facing temporary financial hardship, mortgage payment deferral programs can provide much-needed relief. These programs allow borrowers to pause or reduce their monthly mortgage payments for a specific period, helping them avoid foreclosure while stabilizing their finances. What is a Mortgage Payment Deferral? A mortgage payment deferral allows borrowers to temporarily postpone their monthly mortgage payments. The deferred payments are not forgiven but are typically added to the … [Read more...]

Filed Under: Mortgage Tagged With: Home Ownership, Mortgage Assistance, Mortgage Deferral

Should You Use Home Equity to Pay for College?

January 31, 2025 by Rilian Ball

Higher education can be one of the most significant financial investments you'll make, second only to purchasing a home. While federal loans are a common method for covering college costs, using your home’s equity is another option to consider. Before making a decision, it’s important to understand the pros and cons of tapping into your home equity to pay for college. The Financial Cost of College Just as most buyers need a mortgage to finance a home, many families rely on loans to … [Read more...]

Filed Under: Mortgage Tagged With: College Costs, Education Funding, Home Equity

How to Choose Which Mortgage Is The Right One for You

January 10, 2025 by Rilian Ball

When it comes to buying a home, selecting the right mortgage is one of the most important financial decisions you'll make. The type of loan you choose will impact your monthly payments, interest rates, and overall financial stability. To make the best choice, it’s essential to understand the different types of mortgages available and how they align with your financial goals and circumstances. 1. Conventional Loans Conventional loans are the most common type of mortgage and are offered by … [Read more...]

Filed Under: Mortgage Tagged With: Home Loans, Mortgage Options, Mortgage Types

Why Getting Preapproved Before Your House Hunt Is Crucial

December 13, 2024 by Rilian Ball

Buying a home is one of the biggest financial decisions you'll ever make, and you want to make sure you’re as prepared as possible. Whether you’re just starting to browse homes or are ready to put in an offer, one of the most important steps you can take is getting preapproved for a mortgage. Preapproved vs. Prequalified: What’s the Difference? While you might come across the term prequalification during your home search, it’s important to understand the distinction … [Read more...]

Filed Under: Mortgage Tagged With: Home Buying Mortgage Preapproval, Preapproved Home Loan

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Rilian Ball


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NMLS # 202687

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

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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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