Rilian Ball

First Capital Group

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Exploring the Pros and Cons of Using Personal Loans and Refinancing for Home Renovations

February 27, 2024 by Rilian Ball

Undertaking home renovations can be an exciting endeavor, whether you're looking to enhance your living space, increase property value, or simply modernize your home. However, financing these projects can often pose a significant challenge. While personal loans and refinancing are popular options for funding renovations, it's important to weigh the advantages and disadvantages before deciding. Personal Loans Pros: Accessibility: Personal loans are typically easier to obtain compared to other … [Read more...]

Filed Under: Mortagage Tips Tagged With: Mortgage, Personal Loan, Renovations

Loan Servicing Companies

February 23, 2024 by Rilian Ball

What happens when you suddenly get a notice to pay your mortgage to a company you may have never heard of? How do you determine if this is a legitimate request or a scam? A borrower may get a written notice or an email that their mortgage has been sold to another entity or that a new loan servicing company will now be collecting the mortgage payments. The borrower needs to exercise extreme caution before just sending in a payment to the new company. It is prudent to double-check to see if the … [Read more...]

Filed Under: Mortgage Tips Tagged With: Loan Servicing, Mortgage

Long-Term Relationship Between Borrowers and Mortgage Originators

February 22, 2024 by Rilian Ball

A good originator goes beyond mere transactions, prioritizing long-term relationships and client well-being. Look for originators who communicate proactively, offer empowering resources, provide personalized attention, maintain transparency, engage with the community, and celebrate milestones. By focusing on these qualities, consumers can ensure they partner with an originator who not only facilitates the mortgage process but also serves as a trusted advisor on their homeownership journey. … [Read more...]

Filed Under: Mortagage Tips Tagged With: Communication, Loan Officer, Mortgage

When to Refi: How to Time Your Move for Maximum Savings

February 21, 2024 by Rilian Ball

As with most everything, timing is often key to unlocking substantial savings, especially when it comes to refinancing your loans. Whether you're eyeing a lower interest rate, aiming to shorten your loan term, or simply seeking to tap into equity, strategic timing can significantly impact your financial outcomes. It is vital for a loan originator to empower the borrower with the knowledge of when to refinance. 1. Monitor Interest Rate Trends Interest rates are the cornerstone of refinancing … [Read more...]

Filed Under: Home Mortgages Tagged With: Mortgage, Refinance, Timing

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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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