Rilian Ball

First Capital Group

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How To Get A Mortgage If You Are A Gig Worker

April 2, 2021 by Rilian Ball

Twenty years ago the economy was putting the dot-com bubble behind it, and people were buying homes. The high majority of folks worked for someone else; they received a paycheck, were given a W-2 from their employer, and filed their income tax returns accordingly. This also provided easy documentation to loan officers when folks wanted to borrow a mortgage to buy a home. As of 2019 36 percent of workers in 2020 were identified as bona fide gig workers per the federal government, or a bit more … [Read more...]

Filed Under: Mortgage Tagged With: Gig Work, Mortgage, Mortgage Approval

What Are The Most Common Mistakes Homeowners Make When Refinancing?

March 26, 2021 by Rilian Ball

There are lots of people who are looking to take advantage of low interest rates to refinance their homes. This provides homeowners with an opportunity to save tens of thousands of dollars over the life of the loan. It could also allow homeowners to access equity to finance a home renovation or shave years off their mortgage. On the other hand, there are also a lot of people who make mistakes during the refinancing process. What are some of the mistakes that everyone should make sure they … [Read more...]

Filed Under: Mortgage Tagged With: Credit Score, Mortgage, Refinancing

Approved With Conditions: What Does It Mean?

March 23, 2021 by Rilian Ball

Applying for a home loan might not be the most exciting part of purchasing a home; however, many homeowners need to go through a lender to purchase a home. It is exciting to hear that the approval letter has gone through; however, it is also possible for someone to see that they have been approved with conditions. What does this mean? What are some of the most common reasons why someone might have conditions? It Could Just Be Standard Procedure Sometimes, people see that they have conditions to … [Read more...]

Filed Under: Mortgage Tagged With: Loan Application, Loan Approvals, Mortgage

Moving Can Lead To A Major Emotional Lift

March 19, 2021 by Rilian Ball

This past year has been stressful for everyone involved. A lot of people have had to spend more time in their house than they ever have in the past. When this is combined with trying to conduct work and school from home, it is easy to see why people are so eager to get out of their house.  Even though a lot of people are spending more time outside, it might be better to consider moving entirely. The reality is that a lot of people are currently associating their home with a lot of bad … [Read more...]

Filed Under: Mortgage Tagged With: Motivation, Moving, Moving Tips

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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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