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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

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

How to Avoid Mortgage Burnout

August 21, 2025 by Rilian Ball

Buying a home is one of the most exciting milestones in life, but it can also be one of the most exhausting. From house hunting and comparing loan options to managing the financial paperwork and deadlines, the process can become overwhelming. Mortgage burnout happens when the stress and demands of the home buying journey begin to wear you down, making it harder to stay focused and positive. The good news is there are ways to protect yourself from burnout and keep the process manageable. Set … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Journey, Mortgage Advice, Mortgage Burnout

How Much Down Payment Do You Need for a Mortgage When Buying a Home?

May 23, 2025 by Rilian Ball

If you're considering buying a home, you're likely wondering how much you’ll need for a down payment. The common belief is that you need to put down 20% of the home’s purchase price, but that’s not the only option and in many cases, it’s not even necessary. Let’s break down what’s really required and explore your choices. The Traditional 20% RuleTraditionally, lenders prefer a 20% down payment. Why? Because it lowers their risk. If you’re purchasing a … [Read more...]

Filed Under: Mortgage Tips Tagged With: Down Payment Help, Home Buying Journey, Mortgage Tips

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Rilian Ball


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NMLS # 202687

Call: (559) 697-5322
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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
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