Rilian Ball

First Capital Group

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How Much Down Payment Do You Need for a Mortgage When Buying a Home?

May 23, 2025 by Rilian Ball

If you're considering buying a home, you're likely wondering how much you’ll need for a down payment. The common belief is that you need to put down 20% of the home’s purchase price, but that’s not the only option and in many cases, it’s not even necessary. Let’s break down what’s really required and explore your choices. The Traditional 20% RuleTraditionally, lenders prefer a 20% down payment. Why? Because it lowers their risk. If you’re purchasing a … [Read more...]

Filed Under: Mortgage Tips Tagged With: Down Payment Help, Home Buying Journey, Mortgage Tips

What To Do When Your Mortgage Loan is Declined

May 22, 2025 by Rilian Ball

Getting turned down for a mortgage can be discouraging, but it doesn’t mean the dream of homeownership is over. In fact, understanding why your application was declined is the first step toward making a stronger comeback. Let’s look at some of the most common reasons a mortgage might be denied and what you can do about it. 1. Loan-to-Value (LTV) RatioYour loan-to-value ratio is the percentage of the property’s appraised value that you want to borrow. For instance, if … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying Journey, Mortgage Declined, Mortgage Tips

What Your Coffee Habit Can Teach You About Paying Off Your Mortgage Faster

May 20, 2025 by Rilian Ball

As your mortgage advisor, I am not here to tell you to give up your favorite coffee, but I am here to show you how something as simple as your daily coffee run can reveal some powerful lessons about how to pay off your mortgage faster. The Cost of Coffee and the Opportunity It HidesLet’s say you spend $5 a day on coffee, five days a week. That is $25 a week, about $100 a month, and $1,200 a year. Over 10 years? That adds up to $12,000.Now imagine if you took just a portion of that and … [Read more...]

Filed Under: Mortgage Tips Tagged With: Coffee And Homeownership, Financial Freedom, Mortgage Tips

Why Your Mortgage Has an Escrow Account and How It Works for You

May 15, 2025 by Rilian Ball

When you close on a home loan, you’ll likely hear the term “escrow account” mentioned—and if you’re like most buyers, you may not be entirely sure what it means. While it might sound complicated, an escrow account is a helpful tool that simplifies homeownership and protects your investment. What is an Escrow Account?An escrow account is a separate account set up by your mortgage servicer to hold funds for specific home-related expenses, most commonly property taxes … [Read more...]

Filed Under: Mortgage Tips Tagged With: Escrow Account, Homeownership, Mortgage Tips

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Rilian Ball


Branch Manager

NMLS # 202687

Call: (559) 697-5322
info@firstcg.com

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Recent Articles

  • How Much Down Payment Do You Need for a Mortgage When Buying a Home?
  • What To Do When Your Mortgage Loan is Declined
  • Pet-Friendly Mortgages And How Owning Pets Could Affect Your Loan Choices
  • What Your Coffee Habit Can Teach You About Paying Off Your Mortgage Faster

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

Equal Housing Opportunity

Loan Options

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  • FHA Home Loan
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