Rilian Ball

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Is Homeownership Still the American Dream?

August 27, 2025 by Rilian Ball

Buying a home is more than a place to live, it is a path to financial growth, every mortgage payment builds equity, giving homeowners a valuable asset over time, unlike renting where monthly payments go to a landlord, homeowners are investing in their future, with the right mortgage strategy, owning a home can be one of the smartest financial moves you make. Stability and FreedomHomeownership offers stability and freedom to create a space that truly reflects your lifestyle, you can renovate, … [Read more...]

Filed Under: Home Buyer Tips Tagged With: American Dream, Homeownership, Mortgages

Mortgages for Remote Workers Who Want Dual Residences

August 26, 2025 by Rilian Ball

Remote work has transformed the way people live and plan their financial futures. Instead of being tied to one city, many professionals now choose to split their time between two homes. Some want the excitement of an urban condo while keeping a peaceful retreat in the mountains or at the beach. Others need to balance family life in one state with work opportunities in another. As this trend grows, understanding mortgage options for dual residences has become essential. Primary Residence vs. … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgages, Real Estate, Remote Work

Creative Strategies for Managing Mortgage Payments During Financial Hardship

July 11, 2025 by Rilian Ball

Financial hardship can happen for many reasons — job loss, medical emergencies, rising expenses, or unexpected life changes. One of the most important steps homeowners can take is to recognize early signs of financial strain. If your savings are shrinking, your income has dropped, or monthly bills are piling up, it is time to take action before falling behind on your mortgage. Communicate with Your Lender FirstYour mortgage lender is not the enemy during a hardship. In fact, most lenders … [Read more...]

Filed Under: Mortgage Tips Tagged With: Financial Hardship, Mortgage Payments, Mortgages

Explaining Mortgage Options for Self-Employed Borrowers with Irregular Income

May 9, 2025 by Rilian Ball

Securing a mortgage can be challenging for self-employed borrowers, especially those with irregular income. Traditional lenders typically rely on W-2s and steady paychecks to assess financial stability, which can make qualifying more complex for business owners, freelancers, and gig workers. However, several mortgage options cater specifically to self-employed individuals, allowing them to secure financing based on alternative income verification methods. Challenges for Self-Employed … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgage Options, Mortgages, Self-Employment

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Rilian Ball


Branch Manager

NMLS # 202687

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

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Recent Articles

  • Artificial Intelligence and the Future of Mortgage Decisions
  • How Emotions Shape Your Mortgage Decisions
  • Is Homeownership Still the American Dream?
  • Mortgages for Remote Workers Who Want Dual Residences

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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