Rilian Ball

First Capital Group

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Why Your Mortgage Has an Escrow Account and How It Works for You

May 15, 2025 by Rilian Ball

When you close on a home loan, you’ll likely hear the term “escrow account” mentioned—and if you’re like most buyers, you may not be entirely sure what it means. While it might sound complicated, an escrow account is a helpful tool that simplifies homeownership and protects your investment. What is an Escrow Account?An escrow account is a separate account set up by your mortgage servicer to hold funds for specific home-related expenses, most commonly property taxes … [Read more...]

Filed Under: Mortgage Tips Tagged With: Escrow Account, Homeownership, Mortgage Tips

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

Navigating Mortgages as a Self-Employed Professional

March 25, 2025 by Rilian Ball

Securing a mortgage as a self-employed professional can be more challenging than for traditional W-2 employees, but with the right preparation and documentation, it is entirely achievable. Here's a guide to help you navigate the process: Document Your IncomeLenders need to assess your financial stability and income consistency. To do this, you'll need to provide: Tax returns for the past two years Profit and loss statements Bank statements Client invoices or contracts Consistency is key, so … [Read more...]

Filed Under: Mortgage Tagged With: Financial Planning, Homeownership, Mortgage Tips

Presidents’ Day and the American Dream of Homeownership

February 17, 2025 by Rilian Ball

Presidents’ Day is a time to reflect on leadership, vision, and the pursuit of big goals. Throughout history, homeownership has been a key part of the American Dream, a foundation for stability, growth, and opportunity.If owning a home is one of your goals this year, now is a great time to start planning. Market conditions, loan options, and expert guidance can all help make your journey easier. Whether you’re buying your first home, upgrading to a new space, or refinancing for … [Read more...]

Filed Under: Holidays Tagged With: AmericanDream, Homeownership, PresidentsDay

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Rilian Ball


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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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