Rilian Ball

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How Obtaining a Mortgage Can Impact Your Credit Score

February 13, 2025 by Rilian Ball

When considering homeownership, many potential buyers wonder: Will getting a mortgage help my credit score? The answer is yes—if managed correctly. A mortgage is a major financial commitment, but it can also be a powerful tool for building and maintaining strong credit. Here’s how a mortgage can affect your credit score and what you should keep in mind. Building Credit with On-Time Payments One of the most significant factors influencing your credit score is payment history. Mortgage … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Credit Score, Home Buying Tips, Mortgage Tips

Ensure a Stress-Free Home Purchase with These Gift Fund Tips

February 6, 2025 by Rilian Ball

Imagine you are about to purchase your dream home, and a generous financial gift from family or friends is making it possible. It’s a moment to celebrate!  But did you know that mishandling gift funds can lead to delays, added stress, or even jeopardize your loan approval? Don’t worry, we are here to guide you through the process! Let’s explore the top mistakes homebuyers make when receiving gift money and how to avoid them. 1. Skipping the Lender Consultation Before … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Gift Funds, Home Buying Tips, Mortgage Advice

Can You Be a First-Time Homebuyer Again?

January 29, 2025 by Rilian Ball

Purchasing a home is a significant milestone, and first-time homebuyer programs make the process easier for many stepping into homeownership. But what if you’ve owned a home before or are currently a homeowner? Can you qualify as a first-time homebuyer again? Surprisingly, the answer is yes. Under certain conditions, you may be eligible for these programs more than once. Here's a closer look at how it works, the eligibility criteria, and how to make the most of these opportunities. Who … [Read more...]

Filed Under: Home Financing Tips Tagged With: Affordable Housing, First Time HomeBuyer, Home Buying Tips

Is It Time to Stop Paying Rent and Start Building Equity?

January 23, 2025 by Rilian Ball

Have you ever calculated how much rent you’ve paid over the years? It’s a staggering number. According to studies, the average American spends between $133,000 and $155,000 on rent in just six to seven years. Let’s break that down and explore what it means for your financial future—and how you might be able to change that narrative. What Does This Number Represent? These figures aren’t just numbers; they’re the cost of temporary housing over time. Rent … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Build Equity, Home Buying Tips, Stop Renting

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Rilian Ball


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NMLS # 202687

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

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Recent Articles

  • How to Pay Off Your Mortgage 10 Years Early Without Extra Payments
  • Will Multiple Mortgage Applications Hurt Your Credit Score?
  • What’s Ahead For Mortgage Rates This Week – June 2nd, 2025
  • What Every Homebuyer Should Know About How Are Property Taxes Calculated

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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