Rilian Ball

First Capital Group

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Pet-Friendly Mortgages And How Owning Pets Could Affect Your Loan Choices

May 21, 2025 by Rilian Ball

We love our pets, they are part of the family. But did you know that your furry (or feathered) friend could play a surprising role in your homebuying journey? While your dog probably will not impact your credit score, being a pet owner can influence where and how you buy a home, and even the type of loan you choose.As a mortgage originator, I have worked with many clients who did not realize their pets could affect everything from HOA rules to homeowners’ insurance policies. Here is what … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Tips, Mortgage Advice, Pet Friendly Living

Understanding the Role of the Federal Reserve in Mortgage Rates

April 4, 2025 by Rilian Ball

When you're thinking about buying a home, you may hear a lot about mortgage rates going up or down. But have you ever wondered what causes these changes? One of the biggest influences on mortgage rates is the Federal Reserve, often called "the Fed." While the Fed doesn’t set mortgage rates directly, its policies play a major role in how much you’ll pay for your home loan. Let’s break it down in simple terms: What is the Federal Reserve?The Federal Reserve is the central bank of … [Read more...]

Filed Under: Mortgage Rates Tagged With: Federal Reserve, Mortgage Advice, Mortgage Rates

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

Let’s Chat! How to Get Prepared for Your House-Hunting Journey

February 4, 2025 by Rilian Ball

Imagine that you are exploring your city or a new city and you stumble upon your dream home. It is perfect! With an open kitchen for entertaining, a backyard oasis for relaxation, and all the space you’ve envisioned. Just as you’re ready to make your move, someone else beats you to it because your finances weren’t prepared. The good news is you can avoid it with a little preparation. Here are some steps to get you house-hunting ready: 1. Understand Your Budget Before you even … [Read more...]

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

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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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