Rilian Ball

First Capital Group

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Can I Get a Mortgage Without a Credit Score By Using Alternative Credit History?

March 28, 2025 by Rilian Ball

If you've been managing your finances responsibly but don’t have a traditional credit score, you may be wondering whether homeownership is still within reach. The good news? It is! While most mortgage lenders rely on credit scores to assess your creditworthiness, alternative credit history—like rent payments, utility bills, and other recurring expenses—can help you qualify for a mortgage. What Is Alternative Credit History? Alternative credit history consists of financial … [Read more...]

Filed Under: Mortgage Tagged With: Dream Home, Home Owner, Mortgage Approval, Mortgage Tips

Navigating Mortgages as a Self-Employed Professional

March 25, 2025 by Rilian Ball

Securing a mortgage as a self-employed professional can be more challenging than for traditional W-2 employees, but with the right preparation and documentation, it is entirely achievable. Here's a guide to help you navigate the process: Document Your IncomeLenders need to assess your financial stability and income consistency. To do this, you'll need to provide: Tax returns for the past two years Profit and loss statements Bank statements Client invoices or contracts Consistency is key, so … [Read more...]

Filed Under: Mortgage Tagged With: Financial Planning, Homeownership, Mortgage Tips

How Mortgage Amortization Works

March 19, 2025 by Rilian Ball

When you take out a mortgage, you commit to a long-term financial obligation. Understanding mortgage amortization can help you make informed decisions about your loan and how your payments impact your financial future. What is Mortgage Amortization? Mortgage amortization refers to the process of gradually paying off your loan over time through fixed monthly payments. Each payment is divided into two parts: Principal: The portion that goes toward reducing your loan balance. Interest: The amount … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Loans, Mortgage Amortization, Mortgage Tips

What Sellers Need to Know About Becoming a Lender with Creative Financing

March 13, 2025 by Rilian Ball

Creative financing can be an attractive option for sellers, especially those with significant equity. One popular approach is carrying back a second mortgage, where the seller effectively becomes a lender to help the buyer complete the purchase. While this can be a beneficial arrangement, it’s essential to understand the risks and the protections available, particularly regarding lender’s title insurance. Why Consider Carrying Back a Second Mortgage? Let’s say you own a home … [Read more...]

Filed Under: Home Financing Tips Tagged With:  Creative Financing, Mortgage Tips, Seller Financing

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Rilian Ball


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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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