Rilian Ball

First Capital Group

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3 Tips To Consider When Buying A Home With An FHA Mortgage

February 22, 2018 by Rilian Ball

FHA loans are becoming increasingly popular these days as potential homeowners may not able to qualify as easily for conventional mortgages. The FHA insures some higher-risk loans, in turn allowing borrowers with low down payments and less than perfect credit to purchase homes and bolster the housing market. However, while getting through the loan process with an FHA mortgage loan is not necessarily more difficult than with a conventional or conforming loan, there are some issues that you will … [Read more...]

Filed Under: Mortgage Tagged With: FHA Loans, Mortgages

Refinancing to Pay for Renovations? Consider the VA’s Energy Efficient Mortgage Program

June 8, 2016 by Rilian Ball

Making renovations that are energy efficient is not just a great way to reduce energy output, but it's also an effective way of decreasing monthly utility costs. It serves as a one-time investment that will save money in the long run. However, renovations are costly and not everybody has the extra finances required to make energy efficient changes. This is where the VA's energy efficient mortgage (or EEM) program comes into play. The program is designed to allow veterans to apply for a new … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Refinancing, Mortgages

The HARP Refinance Program Has Been Extended into 2016: Here’s How You Can Take Advantage

April 28, 2016 by Rilian Ball

With the Home Affordable Refinancing Program recently being extended until the last day of December, 2016, many homeowners who have found their assets in a challenging situation have been given a second chance to apply and receive an affordable mortgage. By taking advantage of the HARP program, eligible borrowers can refinance to the current mortgage rates on their homes while avoiding paying for private mortgage insurance or putting down the principal. A Quick Primer On The HARP Refinancing … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Refinancing, Mortgages

You Ask, We Answer: 5 Ways That You Can Proactively Build and Improve Your Credit Score

April 26, 2016 by Rilian Ball

If you're planning to buy a house or take out a business loan in the near future, you'll want to work hard to boost your credit score well ahead of time in order to improve your likelihood of getting the loan you need. A great credit score can also make you more desirable to employers and help you to negotiate lower car insurance rates. But what can you do in order to build your credit score over time? What are the best strategies for boosting that score as high as possible? Here's what you need … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage Preapprovals and Credit, Mortgages

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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

Equal Housing Opportunity

Loan Options

  • Fixed Rate Mortgages
  • FHA Home Loan
  • VA Home Loan
  • Jumbo Home Loan
  • USDA Home Loan

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