Rilian Ball

First Capital Group

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How to Pay Off Your Mortgage 10 Years Early Without Extra Payments

June 4, 2025 by Rilian Ball

If you're like most homeowners, the idea of paying off your mortgage early sounds amazing—more freedom, fewer monthly expenses, and peace of mind. But what if you could shave 10 years off your mortgage without making extra payments each month? Sounds too good to be true? It’s not! There are smart strategies that don’t require more money out of pocket, just a little planning and a fresh approach. As a mortgage originator, I have helped many clients explore options that save them … [Read more...]

Filed Under: Mortgage Tagged With: Early Payoff, Home Ownership Goals, Mortgage Tips

Will Multiple Mortgage Applications Hurt Your Credit Score?

June 3, 2025 by Rilian Ball

When you are ready to buy a home, it is natural to shop around for the best mortgage rate and terms. But you may have heard that submitting multiple loan applications can damage your credit score and throw a wrench in your homebuying plans. Here is the truth behind hard inquiries, rate shopping, and how to protect your credit while securing the best deal. Understanding Hard Inquiries vs. Soft InquiriesWhenever a lender runs your credit, whether for a credit card, auto loan, or mortgage, they … [Read more...]

Filed Under: Mortgage Tagged With: Credit Score, Home Buying, Mortgage Tips

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

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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
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