Rilian Ball

First Capital Group

  • Home
  • About
  • Main Website
  • Get a Quote
  • Apply
  • Contact
Block
Committed to providing financial solutions for homeownership
LET'S TALK
rate quote
Get a Rate Quote
Want a quick quote? Fill out this form
Loan Checklist
Loan Checklist
Make sure you have all you need!
Questions?
Have questions?
Ask us today!
Apply Now
Apply Now
Ready to get started? Click here!

Are Low Down Payment Programs Right for You?

July 22, 2025 by Rilian Ball

Purchasing a home is a significant milestone, but for many buyers, saving for a large down payment can feel overwhelming. Thankfully, low down payment programs can offer a solution, making homeownership more accessible than ever before. However, before choosing one of these options, it is important to understand both the benefits and potential drawbacks. Low down payment programs are designed to help buyers secure a home with as little as three percent to five percent down, depending on the loan … [Read more...]

Filed Under: Mortgage Tips Tagged With: First Time Home Buyer, Home Loan Options, Low Down Payment

What’s Ahead For Mortgage Rates This Week – July 21st, 2025

July 21, 2025 by Rilian Ball

While inflation has slowed down since the pandemic, it is showing a faster-than-expected rise for consumers, as the CPI (Consumer Price Index) has reported a higher than expected 0.3% increase, contrasted to the 0.2% expected increase. Meanwhile, the PPI (Producer Price Index) has proven to be entirely flat, with the largest takeaway being that signs of tariff-related inflation are — at best — scattered among data reports, leading to many speculating that the impacts have been … [Read more...]

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

Could You Save Money by Refinancing Right Now?

July 18, 2025 by Rilian Ball

Understanding the Real BenefitsThe most common reason to refinance is to lower your monthly payment by getting a better interest rate. But refinancing can also help you pay off your loan faster, switch from an adjustable to a fixed rate, or tap into your home equity for important expenses. If your credit score has improved, or if your home has gained value, you may qualify for better loan terms now than when you originally purchased. Lower Monthly Payments or Faster PayoffEven a small drop in … [Read more...]

Filed Under: Financial Reports Tagged With: Mortgage Tips, Refinance Reports, Save Money

The One Number More Important Than Your Credit Score for Mortgage Approval

July 17, 2025 by Rilian Ball

When it comes to getting approved for a mortgage, most people immediately think of their credit score. While it is definitely important, there is another number that can play an even bigger role in your approval, our debt-to-income ratio. Also known as DTI, this number gives lenders a clearer picture of your ability to manage monthly payments and overall debt. What Is Debt-to-Income RatioYour debt-to-income ratio is the percentage of your monthly gross income that goes toward paying debts. This … [Read more...]

Filed Under: Financial Reports Tagged With: Debt to Income, Home Financing, Mortgage Tips

  • « Previous Page
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • …
  • 599
  • Next Page »

Rilian BallFirst Capital Logo

Rilian Ball


Branch Manager

NMLS # 202687

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

Browse Articles by Category

Get in Touch!

  • This field is for validation purposes and should be left unchanged.

Search this website

Recent Articles

  • Your Mortgage Timeline, Backward
  • From Divorce to Fresh Starts, the Mortgage Paths No One Talks About
  • Why Getting Pre-Approved Feels So Intimidating, and Why It Shouldn’t
  • What’s Ahead For Mortgage Rates This Week – August 4th, 2025

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

Copyright © 2025 · Powered by MySMARTblog

Copyright © 2025 · Genesis Sample Theme on Genesis Framework · WordPress · Log in