Rilian Ball

First Capital Group

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Celebrating National Homeownership Month and How First-Time Buyer Programs Make It Possible

June 18, 2025 by Rilian Ball

June is National Homeownership Month, a time to celebrate the dream of owning a home and spotlight the many programs designed to help first-time buyers turn that dream into reality. For many Americans, the biggest challenge to buying a home is coming up with the funds for a down payment or qualifying for a loan. Fortunately, there are a wide variety of mortgage options and assistance programs available to make homeownership more achievable. FHA Loan One of the most widely used mortgage … [Read more...]

Filed Under: Home Buyer Tips Tagged With: First Time Buyer, Homeownership Dream, National Homeownership Month

The Pros and Cons of Using Gift Funds for Down Payments

April 22, 2025 by Rilian Ball

For many homebuyers, especially first-time buyers, saving for a down payment can be one of the biggest hurdles to homeownership. Fortunately, gift funds, money given by family members, close relative, or even an employer can help bridge the financial gap. While using gift funds can make homeownership more attainable, there are important benefits and potential drawbacks to consider before relying on them. Pros of Using Gift Funds for a Down Payment Easier Path to HomeownershipOne of the biggest … [Read more...]

Filed Under: Homeowner Tips Tagged With: Down Payments, First Time Buyer, Homeownership

Avoid These Costly Mortgage Mistakes

February 11, 2025 by Rilian Ball

Buying a home is one of the biggest financial decisions you’ll ever make. While it’s an exciting milestone, the mortgage process can be complex, and simple mistakes can cost you thousands of dollars or even derail your homeownership dreams. To ensure a smooth home-buying journey, here are some of the most common mortgage pitfalls—and how to avoid them. 1. Overextending Your Budget It’s tempting to fall in love with a home that stretches your budget, but committing to a … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: First Time Buyer, Home Buying, Mortgage Tips

Top 5 Mortgage Types for Homebuyers

November 20, 2024 by Rilian Ball

When you're preparing to buy a home, choosing the right mortgage is one of the most important decisions you’ll make. With so many options available, it can be challenging to know which type best suits your needs. Each mortgage type comes with unique advantages and understanding them can help you achieve your homeownership goals in a financially sustainable way. Below, we outlined the five of the most common mortgage types and how they differ. 1. Conventional Fixed-Rate MortgageOne of the … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: First Time Buyer, Home Buying Tips, Mortgage Advice

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Rilian Ball


Branch Manager

NMLS # 202687

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

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Recent Articles

  • The Top 5 Mortgage Myths Debunked for National Homeownership Month
  • How to Build Credit For a Mortgage Starting This National Homeownership Month
  • Celebrating National Homeownership Month and How First-Time Buyer Programs Make It Possible
  • The Emotional Rewards of Homeownership and Why It’s Worth Celebrating in June

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

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