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Ruhl&Ruhl REALTORS
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July
6
6
Expert Financing Tip from Ruhl Mortgage
What's the mortgage tip for homebuyers and sellers this summer? Have your homeowners insurance configured early! Chris Schneider, President of Ruhl Mortgage, suggests getting your insurance lined up, "as soon as you get a home under contract." Why? Many clients want to know their full payment amount prior to closing. To ensure that your closing does in fact happen on time and accurate figures are used, your loan officer needs your final insurance premium amount. Often this information is overlooked or saved until the very end of the process because it is thought to not greatly influence one's mortgage. "We will see a client negotiate hard for a few thousand dollars on the purchase price, which only changes the payment on a 30-year loan about 5/per thousand," says Schneider, "but then they will get an expensive insurance policy from a national carrier," which may change the amount factored into your monthly mort...
November
19
19
Sell Now or Wait Until Spring?
The Million-Dollar Question
Should you sell your home now, or wait until spring? That's the million-dollar question many homeowners find themselves asking when determining when to list their home. Some homeowners fear that listing their home in the fall or winter means that their house will sit, or that there won't be enough activity to generate a solid offer. But rest assured, there are still plenty of serious buyers! However, in areas that have experienced lower than usual inventory in the busier spring and summer months, there are still buyers out there in the "off-season" wanting to take advantage of record low-interest rates and find a home. Matt Schwind, managing broker of the Ruhl&Ruhl Bettendorf office shares, "There is very rarely a bad time to sell a home. I suppose you would expect a Realtor to say...
October
15
15
5 Signs It's Time to Sell Your Home
1. Your lifestyle and home no longer mesh
A lot of life is lived at home. When your family or lifestyle no longer fit, it may be time to move on. Your two-bedroom house might have had plenty of room when you bought it, but with pets, kids, and working from home, it now may be less than functional. Additionally, your neighborhood should have ade...
October
9
9
Creative Home Solutions in the Wake of COVID
Changing Locations
The National Association of Home Builders Geography Index found a "suburban shift" in the second quarter of 2020, as families looked for less populated areas to weather the public-health crisis. Nationally, NAHB reports that "small metro suburbs" showed the highest growth in new construction, increasing 10.6% on a four-quarter moving average basis.Evolvin...
August
6
6
Why You Should Hire a REALTOR®
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