Rilian Ball

First Capital Group

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Should You Get a Mortgage If You Plan to Move Soon?

July 31, 2025 by Rilian Ball

Deciding to buy a home when you know you might move within a few years can be a challenging choice. Many people wonder if it makes financial sense to take on a mortgage if they will not live in the property long term. The answer depends on several factors, including your personal goals, market conditions, and your financial situation. Consider Your Time HorizonMortgage loans often come with upfront costs such as closing fees, appraisal costs, and sometimes private mortgage insurance. If you plan … [Read more...]

Filed Under: Mortgage Tagged With: Home Buying, Mortgage Tips, Moving Soon

The Benefits of Mortgage Rate Buydowns

July 23, 2025 by Rilian Ball

When purchasing a home, every detail matters, especially your interest rate. One strategy that many buyers overlook is the mortgage rate buydown. A buydown allows you to lower your interest rate for the first few years of your loan, or even permanently, by paying upfront fees at closing. This option can significantly reduce your monthly payments, offering financial relief when you need it most. Types of Mortgage Rate BuydownsThere are two common types of buydowns. A temporary buydown, such as a … [Read more...]

Filed Under: Mortgage Rates Tagged With: Lower Payments, Mortgage Rate Buydown, Mortgage Tips

Could You Save Money by Refinancing Right Now?

July 18, 2025 by Rilian Ball

Understanding the Real BenefitsThe most common reason to refinance is to lower your monthly payment by getting a better interest rate. But refinancing can also help you pay off your loan faster, switch from an adjustable to a fixed rate, or tap into your home equity for important expenses. If your credit score has improved, or if your home has gained value, you may qualify for better loan terms now than when you originally purchased. Lower Monthly Payments or Faster PayoffEven a small drop in … [Read more...]

Filed Under: Financial Reports Tagged With: Mortgage Tips, Refinance Reports, Save Money

The One Number More Important Than Your Credit Score for Mortgage Approval

July 17, 2025 by Rilian Ball

When it comes to getting approved for a mortgage, most people immediately think of their credit score. While it is definitely important, there is another number that can play an even bigger role in your approval, our debt-to-income ratio. Also known as DTI, this number gives lenders a clearer picture of your ability to manage monthly payments and overall debt. What Is Debt-to-Income RatioYour debt-to-income ratio is the percentage of your monthly gross income that goes toward paying debts. This … [Read more...]

Filed Under: Financial Reports Tagged With: Debt to Income, Home Financing, Mortgage Tips

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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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