Rilian Ball

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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

The Impact of Homeowners Associations (HOAs) on Mortgage Approval

May 7, 2025 by Rilian Ball

When purchasing a home in a community with a Homeowner’s Association (HOA), it’s important to understand how this organization can impact your mortgage approval. While HOAs provide benefits like maintaining neighborhood amenities and enforcing community standards, they also add financial obligations that lenders consider when evaluating your loan application. How HOA Fees Affect Mortgage QualificationMortgage lenders assess a borrower’s total debt-to-income ratio (DTI) to … [Read more...]

Filed Under: Mortgage Tips Tagged With: HOAs, Mortgage Approval, Mortgages

Should You Use a 401(k) for a Down Payment?

April 30, 2025 by Rilian Ball

Buying a home is a major financial milestone, and saving for a down payment can be one of the biggest challenges. If you’re struggling to gather the necessary funds, you might be considering using your 401(k) retirement savings to cover the cost. While this option is available, it’s essential to weigh the potential benefits and risks before making a decision. How Can You Use a 401(k) for a Down Payment?There are two primary ways to access funds from your 401(k) for a home purchase: … [Read more...]

Filed Under: Mortgage Tips Tagged With: 401k Loans, Down Payment, Mortgages

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Rilian Ball


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NMLS # 202687

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

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Recent Articles

  • Understanding the Fear Behind Mortgage Debt and How to Move Past It
  • What’s Ahead For Mortgage Rates This Week – July 14th, 2025
  • Creative Strategies for Managing Mortgage Payments During Financial Hardship
  • Creative Ways to Use Rent-to-Own Agreements to Buy a Home

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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