Rilian Ball

First Capital Group

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The Airbnb Factor and How Renting Out a Room Can Help You Qualify for a Mortgage

April 9, 2025 by Rilian Ball

With rising home prices and strict lending requirements, many aspiring homeowners are looking for creative ways to strengthen their mortgage applications. One potential game-changer? Renting out a room on Airbnb or another short-term rental platform. This additional income stream could help you qualify for a mortgage and make homeownership more affordable. How Lenders View Rental Income Lenders primarily assess your mortgage application based on your income, credit score, debt-to-income (DTI) … [Read more...]

Filed Under: Mortgage Tips Tagged With: Airbnb Income, Home Buying, Mortgage Tips

How Your Netflix Subscription Might Affect Your Mortgage Approval

April 8, 2025 by Rilian Ball

When applying for a mortgage, you expect lenders to scrutinize your income, credit score, and debt-to-income ratio. But did you know that your Netflix subscription—or any other recurring expense—could play a role in your approval? While a $15-per-month streaming service may seem insignificant, lenders are increasingly looking at all aspects of your financial behavior, including discretionary spending. Here’s how something as small as your entertainment subscriptions could … [Read more...]

Filed Under: Mortgage Tips Tagged With: Financial Health, Home Loan Approval, Mortgage Tips

The Importance of Communication Between Mortgage Originators and Clients

April 3, 2025 by Rilian Ball

Effective communication between mortgage originators and clients is essential in ensuring a smooth, stress-free home financing process. Purchasing a home is one of the biggest financial decisions a person can make, and navigating the mortgage process can be overwhelming. Strong communication helps clients understand their options, stay informed, and ultimately secure the best loan for their needs.Here’s why maintaining open and clear communication is vital in the mortgage process: Setting … [Read more...]

Filed Under: Mortgage Tips Tagged With: Client Trust, Communication, Mortgage Tips

Challenges and Solutions for Mortgages in Remote Areas

April 1, 2025 by Rilian Ball

Buying a home in a remote area can be a dream come true—peaceful surroundings, open spaces, and a slower pace of life. However, securing a mortgage for these properties comes with unique challenges. As a mortgage originator, I’m here to break down the hurdles and offer solutions so you can make your rural homeownership dreams a reality.Challenges of Securing a Mortgage in Remote Areas Limited Lender Availability Many traditional lenders hesitate to finance rural properties due to … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage Loans, Mortgage Tips, Remote Areas

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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

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