Rilian Ball

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Comparing Biweekly Payments and Lump Sum Payments to See Which Saves More

October 31, 2025 by Rilian Ball

Homeowners looking to save on interest or shorten their loan term often explore two popular strategies: biweekly payments and lump sum payments. Both can reduce the total interest paid and help you build equity faster, but they work in different ways. Understanding how each method functions can help you decide which fits your financial goals and lifestyle best. How Biweekly Payments WorkWith a biweekly payment plan, you make half of your monthly mortgage payment every two weeks instead of one … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Ownership, Mortgage Advice, Mortgage Tips

Should You Wait to Buy a Home Until Rates Drop?

October 29, 2025 by Rilian Ball

A Common Question for Today's MarketMany buyers are wondering if now is the right time to purchase a home or if they should wait for mortgage rates to fall. It is a fair question, especially when rates fluctuate and the headlines make it seem like waiting could save thousands. Understanding what affects rates, prices, and long-term value can help you make a confident decision that fits your financial goals. Rates May Drop, but Prices May RiseIt is true that mortgage rates could decrease in the … [Read more...]

Filed Under: Home Buying Tips Tagged With: Home Buying Tips, Mortgage Advice, Mortgage Tips

How to Lower Payments Without Refinancing

October 24, 2025 by Rilian Ball

Many homeowners want to reduce their monthly mortgage payments but hesitate to refinance. Refinancing can come with closing costs, new loan terms, and time-consuming paperwork. The good news is that there are several ways to lower your payment without refinancing.  Recast Your MortgageOne option is a mortgage recast. This allows you to make a large lump-sum payment toward your principal balance, which lowers your monthly payments for the remainder of the loan. The benefit is that your … [Read more...]

Filed Under: Mortgage Tips Tagged With: Homeownership, Mortgage Savings, Mortgage Tips

The Future of Mortgages with Technology Fintech and AI

October 23, 2025 by Rilian Ball

The mortgage industry is evolving faster than ever. Technology, fintech innovation, and artificial intelligence are transforming how borrowers find, qualify for, and manage their home loans. These advancements are making the mortgage process faster, smarter, and more transparent, creating new opportunities for both lenders and buyers. Speed and Convenience Through TechnologyTechnology has simplified every stage of the homebuying journey. Online applications, digital document uploads, and … [Read more...]

Filed Under: Mortgage Tagged With: Home Buying, Mortgage Tips, Relocation

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Rilian Ball


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NMLS # 202687

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

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Recent Articles

  • Comparing Biweekly Payments and Lump Sum Payments to See Which Saves More
  • Understanding the Pros and Cons of Using HELOCs to Fund Investments
  • Should You Wait to Buy a Home Until Rates Drop?
  • Understanding Mortgages and Inflation and How Borrowers Can Benefit

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

Equal Housing Opportunity

Loan Options

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