Rilian Ball

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Creative Mortgage Options Shared Appreciation and Other Alternatives

October 8, 2025 by Rilian Ball

Traditional mortgages are not the only way to finance a home. For buyers who want more flexibility or who face unique financial circumstances, creative mortgage options can provide alternative pathways to homeownership. These products are not always as well-known as standard fixed-rate loans, but they can be powerful tools when used wisely. Shared Appreciation Mortgages ExplainedA shared appreciation mortgage allows a lender or investor to provide a loan in exchange for a percentage of the … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Financing, Mortgage Options, Mortgage Tips

The Mortgage Options That Make It Possible to Buy a Fixer-Upper

August 19, 2025 by Rilian Ball

Buying a fixer-upper can be an exciting way to get into a desirable neighborhood at a lower price point, while also creating a home that reflects your style and needs. However, financing a property that needs significant repairs can be challenging if you are only looking at traditional mortgage products. The good news is there are several mortgage options designed specifically for buyers who are ready to take on a renovation project. Understanding these options can help you choose the right path … [Read more...]

Filed Under: Mortgage Tips Tagged With: Fixer-Upper, Mortgage Options, Renovation Loans

The Pros and Cons of Mortgage Assumptions

August 15, 2025 by Rilian Ball

When purchasing a home, buyers typically assume a new mortgage loan. However, in some situations, a buyer may opt to assume the seller's existing mortgage. Known as a mortgage assumption, this process allows the buyer to take over the terms and payments of the seller's current loan. While mortgage assumptions can offer benefits, they also come with certain drawbacks. Understanding the pros and cons of mortgage assumptions can help you determine whether this option is right for you. What is a … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Loans, Mortgage Assumptions, Mortgage Options

Creative Ways to Finance a Home Renovation with Your Mortgage

May 14, 2025 by Rilian Ball

Renovating a home can be an exciting yet costly endeavor. Whether updating an outdated kitchen, adding more living space, or improving energy efficiency, homeowners often seek financing options that make renovations more affordable. One strategic way to fund home improvements is by leveraging your mortgage. Several loan programs and refinancing options allow homeowners to roll renovation costs into their mortgage, making upgrades more accessible and financially manageable. 1. Renovation … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Renovation, Mortgage Options, Renovation Loans

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Rilian Ball


Branch Manager

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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