Rilian Ball

First Capital Group

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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 Whether updating an outdated kitchen, adding more living space, or improving energy efficiency, homeowners often seek financing options that make renovations more affordable.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

Explaining Mortgage Options for Self-Employed Borrowers with Irregular Income

May 9, 2025 by Rilian Ball

Securing a mortgage can be challenging for self-employed borrowers, especially those with irregular income. Traditional lenders typically rely on W-2s and steady paychecks to assess financial stability, which can make qualifying more complex for business owners, freelancers, and gig workers. However, several mortgage options cater specifically to self-employed individuals, allowing them to secure financing based on alternative income verification methods. Challenges for Self-Employed … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgage Options, Mortgages, Self-Employment

Mortgage Options as a Visa or Green Card Holder

May 2, 2025 by Rilian Ball

Buying a home is an exciting milestone, but if you are on a visa or have a green card, you may wonder how your immigration status impacts your mortgage options. The good news is that many lenders offer home loans to non-citizens, though the process may involve additional requirements. Understanding your options can help you navigate the path to homeownership with confidence. Mortgage Options for Green Card and Visa HoldersLenders generally categorize non-citizen applicants into two main groups: … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgage Options, Mortgage Tips, Visa Holder

How to Choose Which Mortgage Is The Right One for You

January 10, 2025 by Rilian Ball

When it comes to buying a home, selecting the right mortgage is one of the most important financial decisions you'll make. The type of loan you choose will impact your monthly payments, interest rates, and overall financial stability. To make the best choice, it’s essential to understand the different types of mortgages available and how they align with your financial goals and circumstances. 1. Conventional Loans Conventional loans are the most common type of mortgage and are offered by … [Read more...]

Filed Under: Mortgage Tagged With: Home Loans, Mortgage Options, Mortgage Types

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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

Equal Housing Opportunity

Loan Options

  • Fixed Rate Mortgages
  • FHA Home Loan
  • VA Home Loan
  • Jumbo Home Loan
  • USDA Home Loan

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