Rilian Ball

First Capital Group

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How Mortgage Rates Affect Your Home Buying Power

January 17, 2025 by Rilian Ball

Mortgage rates play a significant role in determining how much home you can afford. These rates influence the cost of borrowing money for your mortgage, which directly impacts your monthly payment and, ultimately, your home buying power. The Impact of Mortgage Rates on Affordability When mortgage rates are low, the cost of borrowing decreases. This means you can afford a larger loan or purchase a more expensive home without substantially increasing your monthly payment. For example, a lower rate … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Dream Home Goals, Home Buying Power, Mortgage Advice

Path to Homeownership With FHA Loans

January 16, 2025 by Rilian Ball

For many potential homeowners, the dream of buying a house can feel out of reach, especially when saving for a large down payment or dealing with credit challenges. That’s where FHA loans come in. Backed by the Federal Housing Administration, these loans have become a go-to option for first-time homebuyers and others looking for accessible and flexible financing options. Low Down Payment  One of the most attractive features of FHA loans is the low down payment requirement. With as … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: FHA Loans, Loan Options, Mortgage Advice

Can You Use Income From Two Jobs to Qualify for a Mortgage?

January 8, 2025 by Rilian Ball

Balancing two jobs or a full-time career with a side hustle can be rewarding, not just for your wallet but also when it comes to qualifying for a mortgage. Lenders recognize that additional income can strengthen your application, but there are specific rules to ensure your income is reliable and sustainable. If you’re wondering whether you can use the income from two jobs to qualify for your dream home, the answer is yes, but there are some important factors to consider. How Lenders View … [Read more...]

Filed Under: Homeowner Tips Tagged With: Home Financing Center, Mortgage Advice, Mortgage Specialist

How to Avoid Mortgage Scams and Stay Safe When Buying a Home

January 7, 2025 by Rilian Ball

Scams are everywhere, and the mortgage world is no exception. As you start the exciting journey of homeownership, it’s essential to be aware of the potential risks and arm yourself with knowledge to protect your investment. Here’s what you need to know about common mortgage scams and how to safeguard your financial future. Common Mortgage Scams to Watch Out For 1. Wire FraudOne of the most common and devastating scams is wire fraud. Scammers impersonate your lender or title company, … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Avoid Mortgage Fraud, Mortgage Advice, Mortgage Scams

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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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Loan Options

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  • FHA Home Loan
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