Rilian Ball

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What’s Ahead For Mortgage Rates This Week – September 22nd, 2025

September 22, 2025 by Rilian Ball

It has been a relatively light week following the recent rate changes, as the Federal Reserve has felt the need to drop the current rate by 25 basis points. They have also mentioned the possibility of two additional rate cuts within this year. This follows the recent sharp criticism from the current administration, which condemned the Federal Reserve’s insistence on maintaining existing interest rates. This development coincides with the Leading Economic Indicators, which have shown that … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Myths About Mortgages That Still Fool Homebuyers

September 19, 2025 by Rilian Ball

Buying a home is one of the biggest financial decisions most people will ever make, and the mortgage process can feel overwhelming. With so much information available, it is easy for myths to spread, and many homebuyers still believe ideas that are simply not true. Clearing up these misconceptions can make the path to homeownership less stressful and much more successful. Myth One: You Need Perfect Credit A common belief is that only people with flawless credit can qualify for a mortgage. While … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Journey, Mortgage Myths, Mortgage Tips

Deciding Whether to Pay Extra Toward Principal or Save for Other Investments

September 18, 2025 by Rilian Ball

When it comes to managing your mortgage, one of the most common questions is whether to put extra money toward paying down the loan principal or to save that money for other investments. Both choices have advantages, and the right decision often depends on your goals, financial situation, and comfort with risk. The Case for Paying Extra Toward Principal Making additional payments directly to your mortgage principal reduces the amount of interest you pay over the life of the loan. Even small … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage Education, Mortgage Tips, Wealth Building

How Borrowers Can Benefit from Inflation with the Right Mortgage

September 17, 2025 by Rilian Ball

Inflation is a topic that impacts nearly every part of the economy, from the cost of groceries to long term financial planning. For homeowners and those considering a mortgage, inflation can feel intimidating. However, with the right perspective and strategies, borrowers can use inflation to their advantage and create lasting financial benefits. Understanding the Relationship Between Mortgages and Inflation Inflation reduces the purchasing power of money over time. While this can make everyday … [Read more...]

Filed Under: Mortgage Tagged With: Home Buying Journey, Inflation And Mortgages, Mortgage Tips

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Rilian Ball


Branch Manager

NMLS # 202687

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

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  • What’s Ahead For Mortgage Rates This Week – September 29th, 2025

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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