Rilian Ball

First Capital Group

  • Home
  • About
  • Main Website
  • Get a Quote
  • Apply
  • Contact

Smart Ways to Use Bonuses, Inheritances and Tax Refunds for Your Mortgage

September 24, 2025 by Rilian Ball

Unexpected financial windfalls such as work bonuses, tax refunds, or inheritances can create exciting opportunities. While it may be tempting to spend these funds quickly, using them toward your mortgage can bring lasting financial benefits. Understanding the ways windfalls can strengthen your mortgage strategy will help you make the most of these resources. Paying Down PrincipalOne of the most direct ways to use a windfall is to apply it toward your mortgage principal. Reducing the amount you … [Read more...]

Filed Under: Mortgage Tips Tagged With: Financial Planning, Mortgage Tips, Smart Money Moves

Understanding the Temporary Rate Reduction Mortgage

September 10, 2025 by Rilian Ball

Buying a home is exciting, but the thought of monthly mortgage payments can feel overwhelming, especially for first-time buyers. One strategy to ease the financial burden is a temporary rate reduction. This type of mortgage allows borrowers to pay a lower interest rate for the first two years of the loan before it returns to the original fixed rate. How a Temporary Rate Reduction WorksIn a temporary rate reduction, the interest rate is lowered in stages during the first two years. In the first … [Read more...]

Filed Under: Mortgage Tips Tagged With: Financial Planning, Mortgage Tips, Temporary Rate Reduction

How Emotions Shape Your Mortgage Decisions

August 28, 2025 by Rilian Ball

When it comes to money, emotions play a big role. Many home buyers get caught up in excitement, fear of missing out, or the desire to impress others. These feelings can influence mortgage choices, leading to decisions that might not align with long-term financial goals. Recognizing emotional triggers is the first step to making smarter choices. The Impact of Excitement on Homebuying: Falling in love with a property can make buyers overlook important details. A high-interest rate or a larger … [Read more...]

Filed Under: Mortgage Tips Tagged With: Build Wealth, Financial Planning, Home Buying Tips

How to Determine Your Ideal Monthly Mortgage Payment

July 24, 2025 by Rilian Ball

Buying a home is one of the most exciting financial decisions you will ever make, but understanding what you can comfortably afford each month is essential for long-term success. Your ideal monthly mortgage payment should not just fit within your budget today, but also allow for financial flexibility and security in the future. Start With Your Total Monthly IncomeBegin by calculating your total monthly household income before taxes. This provides a clear foundation for your homebuying budget. … [Read more...]

Filed Under: Mortgage Tips Tagged With: Financial Planning, Home Buying Tips, Mortgage Budget

  • 1
  • 2
  • 3
  • …
  • 5
  • 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

  • Financing Land and New Construction Homes
  • Building Wealth Through Your Mortgage
  • Protecting Your Mortgage During Job Loss
  • What’s Ahead For Mortgage Rates This Week – September 29th, 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