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How to Talk to Your Parents About Co-Signing a Mortgage

July 16, 2025 by Rilian Ball

Asking your parents to co-sign a mortgage can be one of the most vulnerable conversations you will ever have. It is not just about paperwork and finances, it is about trust, timing, and long-term commitment. Whether you are a first-time buyer or trying to qualify for better loan terms, a co-signer can make a big difference, but only if everyone involved is fully informed and comfortable. Understand What Co-Signing Really MeansBefore bringing it up, make sure you understand what co-signing a … [Read more...]

Filed Under: Financial Reports Tagged With: Cosign Help, First Time Buyer, Mortgage Tips

Understanding the Fear Behind Mortgage Debt and How to Move Past It

July 15, 2025 by Rilian Ball

Buying a home is one of the most exciting milestones in life, but the thought of taking on a mortgage often creates anxiety. The idea of owing hundreds of thousands of dollars can feel overwhelming, even if you are financially stable. If you have ever hesitated to move forward with a home loan out of fear, you are not alone. This emotional reaction is more common than many people realize. The Emotional Triggers of DebtFear of mortgage debt is often tied to our instinct to avoid financial risk. … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Confidence, Homeownership Journey, Mortgage Help

What’s Ahead For Mortgage Rates This Week – July 14th, 2025

July 14, 2025 by Rilian Ball

This was an extremely light release week with only the Consumer Credit Report. The amount of expected credit was expected to rise but only showed half the growth — a sign that things are still in stable condition. The most important reports will be featured with next week's releases of inflation data in the Consumer Price Index (CPI) and the Producer Price Index (PPI), as well as the Federal Reserve’s Beige book. The Trump Administration has also further extended the pauses on the … [Read more...]

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

Creative Strategies for Managing Mortgage Payments During Financial Hardship

July 11, 2025 by Rilian Ball

Financial hardship can happen for many reasons — job loss, medical emergencies, rising expenses, or unexpected life changes. One of the most important steps homeowners can take is to recognize early signs of financial strain. If your savings are shrinking, your income has dropped, or monthly bills are piling up, it is time to take action before falling behind on your mortgage. Communicate with Your Lender FirstYour mortgage lender is not the enemy during a hardship. In fact, most lenders … [Read more...]

Filed Under: Mortgage Tips Tagged With: Financial Hardship, Mortgage Payments, Mortgages

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Rilian Ball


Branch Manager

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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