Rilian Ball

First Capital Group

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What Every Buyer Should Know About Home Appraisals

April 18, 2025 by Rilian Ball

Buying a home is an exciting yet complex process, and one critical step often catches buyers off guard—the home appraisal. This professional evaluation determines the fair market value of a property, ensuring that both you and your lender are making a sound investment. Understanding how appraisals work can help you navigate this stage with confidence and avoid potential roadblocks. What Is a Home Appraisal? A home appraisal is an unbiased, professional assessment of a property's value, … [Read more...]

Filed Under: Mortgage Tagged With: Home Buying, Mortgage101, Real Estate Tips

How Single Moms Can Achieve Homeownership with First-Time Homebuyer Grants

March 12, 2025 by Rilian Ball

Owning a home is an important goal for many people, and as a single mom, it can sometimes feel like a distant dream. But the reality is that homeownership is more achievable than you might think, especially when you know about the financial resources and programs available to you. First-time homebuyer grants, special loan programs, and down payment assistance can help you overcome the financial barriers that might otherwise stand in your way. Here's what single moms should know about these … [Read more...]

Filed Under: Homeowner Tips Tagged With: Homebuying Tips, Real Estate Tips, Single Mom Homebuyers

Does Your Home Loan Have a Prepayment Penalty?

December 20, 2024 by Rilian Ball

Buying a home is a huge milestone, and the excitement of closing can lead many buyers to quickly accept any mortgage offer without fully understanding its terms. One important detail to watch for is whether your mortgage includes a prepayment penalty. This fee can be an unwelcome surprise, so it’s crucial to know what you’re signing up for before finalizing your loan. What is a Prepayment Penalty?A prepayment penalty is a fee that some lenders charge if a borrower pays off their … [Read more...]

Filed Under: Real Estate Tips Tagged With: Home Loan Tips, Prepayment Penalty , Real Estate Tips

The Role of the Appraisal Contingency in Real Estate Contracts

December 5, 2024 by Rilian Ball

When you're buying a home, one important component of the real estate contract is the appraisal contingency. This clause protects the buyer in case the property’s appraisal comes in lower than the agreed-upon sale price. While it’s a common part of many real estate transactions, it’s often not fully understood. Here's why it’s so important and how it can impact your purchase. What is an Appraisal Contingency? An appraisal contingency is a condition in the purchase … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Appraisal Contingency, Home Buying , Real Estate Tips

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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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