Rilian Ball

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The Role of Credit Inquiries in Mortgage Approval

October 17, 2025 by Rilian Ball

When preparing to apply for a mortgage, it is important to understand how credit inquiries can impact your chances of approval. Lenders use your credit report to assess risk, and every inquiry can play a role in how they view your financial stability. By knowing the difference between soft and hard inquiries, borrowers can make smarter decisions and protect their credit scores during the home buying process. Soft vs. Hard Credit InquiriesA soft credit inquiry occurs when a lender or other … [Read more...]

Filed Under: Mortgage Tagged With: Credit Inquiries, Mortgage Approval, Mortgages

How Changing Jobs Affects Mortgage Approval

October 16, 2025 by Rilian Ball

Switching jobs can be an exciting step in your career, but for homebuyers, it can also raise questions about mortgage approval. Lenders evaluate income stability when considering a mortgage application, and a recent job change can influence how they view your ability to repay the loan. Understanding how a new position impacts your application can help you plan strategically and improve your chances of approval. How Lenders Assess Employment StabilityLenders want to ensure that borrowers have a … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Changing Jobs, Mortgage Approval, Mortgage Tips

The Connection Between Your Debt-to-Income Ratio and Mortgage Approval

October 10, 2025 by Rilian Ball

When applying for a mortgage, one of the most important factors lenders review is your debt-to-income ratio. This simple calculation helps determine how much of your monthly income is already committed to paying debts, and it plays a major role in whether you qualify for a home loan. Understanding how this ratio works can improve your chances of securing the right mortgage. What Debt to Income Ratio MeansYour debt-to-income ratio, often called DTI, measures the percentage of your monthly income … [Read more...]

Filed Under: Mortgage Tips Tagged With: Debt To Income Ratio, Mortgage Approval, Mortgage Tips

How Cryptocurrency and Digital Assets Are Affecting Mortgage Approval

September 4, 2025 by Rilian Ball

The rise of cryptocurrency and digital assets has transformed the way many people invest and build wealth. As more buyers hold Bitcoin, Ethereum, and other digital currencies, the question of how these assets impact mortgage approval has become more common. While lenders are beginning to recognize cryptocurrency, it is still a developing area that requires careful planning. Understanding Cryptocurrency as an Asset Cryptocurrency is considered a digital asset rather than traditional income. This … [Read more...]

Filed Under: Mortgage Tips Tagged With: Digital Assets, Mortgage Approval, Real Estate Tips

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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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